这几天，张维先一直在忙着办理银行改制后挂牌营业最后冲刺阶段的手续。2月5日，他将准备好的申报资料送至温州银监部门，后者再上报浙江省银监局，如果不出意外，张维先所在的龙湾农村商业银行将于今年3月中下旬正式挂牌营业。

These days,ZhangWeiXian has been busy for reform of the bank listed business after final sprint procedures.On February 5,He will be prepared to declare material sent to wenzhou silver prison department,The latter to zhejiang province to the CBRC,If no accident,ZhangWeiXian in longwan rural commercial bank in March this year will be the middle business formally.

　　张维先是温州龙湾农村合作银行改革办公室负责人，日前，龙湾农村合作银行改制为龙湾农村商业银行获得银监部门批复正式筹建。“改制后的农村商业银行股东涉及200多家企业，其中本次改制新增15家企业，共吸收了8亿多元民间资本”，张维先向《每日经济新闻(博客,微博)》记者介绍称。

Zhang wei first wenzhou longwan rural cooperative bank reform in the office,a,Longwan rural cooperative bank restructuring for longwan rural commercial bank won silver prison department official reply preparation."After the restructuring of the rural commercial bank shareholders involves more than 200 enterprises,The restructuring of the 15 companies,A total of 800 million yuan, absorb folk capital",ZhangWeiXian to[Daily economic news(blog,Micro bo)]Reporter introduced said.

　　“合作银行体制上系合作制，股东比较多且分散，而商业银行适用的股份制更符合现代金融企业制度的股份结构和法人治理结构。”对于上述改制，浙江大学金融系教授、证券期货研究所所长戴志敏分析道。

"Cooperative bank system system cooperation,Shareholders more and scattered,Commercial Banks, joint-stock is more accord with modern financial enterprise system share structure and corporate governance structure."For the restructuring,Zhejiang university professor of finance/Securities and futures institute director DaiZhiMin analysis way.

　　从去年3月温州金改批准实施即将满一周年之际，在一些业内人士看来，虽然温州金改至今取得了一定成效，但与期待仍有不少差距。

From last year on March wenzhou gold change for approval is the first anniversary of the full,In some in the industry seems to be,Although wenzhou gold change has obtained the certain effect,But there are still many gap and looking forward to.

　　温州首家农商行落地 Wenzhou first farming businesses fall to the ground

　　作为温州首家农村合作银行改制机构，龙湾农村合作银行所体现的合作制经营模式进一步发展受到制约。

As the first wenzhou rural cooperative bank restructuring institutions,Longwan rural cooperative bank embodies the cooperation business model further development is restricted.

　　“目前，报批筹建已获得银监部门的批准，正在申报正式挂牌营业，通过后就可以领取营业执照了”，对于改制的最新进展，张维先称，挂牌营业的时间点在3月中下旬。

"At present,The preparation and approval of silver has obtained the approval of the prison department,Are declared officially listed business,After, you can receive a business license",The latest progress in restructuring,ZhangWeiXian says,Listing business time point in late march.

　　公开信息显示，龙湾农村合作银行成立于2005年6月，是以龙湾区农村信用联社及其辖属法人机构为基础，吸纳辖内农户、农村工商户、农村法人及其他经济组织入股组成的股份合作制地方金融机构。

Public information display,Longwan rural cooperative bank was founded in June 2005,Based on LongWanOu rural credit association and manages the legal person institution as the foundation,Facility in farmers/Rural and industrial and commercial door/Rural legal persons and other economic organizations in the joint-stock system of local financial institutions.

　　龙湾农村合作银行先期采取的是将“股份制”与“合作制”两种不同的产权模式融为一体的第三种模式，但随着外部环境和银行自身经营的要求，实施股份制改革被提上议程。

Longwan rural cooperative bank advance to will"joint-stock"and"cooperation"Two different property model with the third kind of pattern,But as the external environment and the requirements of business Banks themselves,Implementation of the joint-stock reform was on the agenda.

　　《温州日报》曾援引温州银监分局对农村合作银行一份内部调研称：一是股权过于分散，缺少足够的战略投资者，导致资本的约束激励机制不能更好地发挥作用；二是随着业务规模的不断扩大，根据金融机构资本充足率比的监管要求，需要不断扩充资本金来支持业务发展，然而在合作制股权结构下，银行很难建立有效率的资本金动态补充机制。三是股份合作制没有相应的法律保障和支持。作为一种特殊的产权形式，股份合作制很难参照、适合我国现有法律、特别是《公司法》，引进外资后的工商变更登记不能依法办理，股东股权不能依法质押登记。

[Wenzhou daily]Had quoted wenzhou branch silver prison for rural cooperative bank a internal research says:One is the equity too scattered,The lack of strategic investors,Lead to capital constraint incentive mechanism can play a better role;The second is the constant enlargement of the scale with the business,According to financial institutions capital adequacy ratio than the regulatory requirements,Need to expand capital to support business development,However, in the cooperation equity structure,The bank is difficult to establish efficient capital dynamic complementary mechanism.The third is joint-stock cooperative system no corresponding legal protection and support.As a special form of property rights,Joint-stock cooperative system is difficult to reference/Suitable for China's current law/especially[company],After the introduction of foreign capital of the business registration can't deal with according to law,Shareholders' equity pledge registration cannot be.

　　而按照龙湾“金融蓝图”的规划，农合行改制农商行后将往三个方向发展，打造一家商业银行，打造一家科技银行，打造一家小微贷银行。

And according to longwan"Financial blueprint"planning,GeHang agricultural restructuring of agricultural businesses will go to three direction,Create a commercial bank,Build a bank of science and technology,Build a small micro credit bank.

　　上市公司“入伙” Listed companies"intake"

　　张维先向《每日经济新闻》记者介绍称，目前批准筹建龙湾农村商业银行股东结构中共有200多家企业。其中，经过本次公开定向募股后，新增了15家企业，共募集42558万股，按每股2.04元的价格，共吸收了8亿元多民间资本。

ZhangWeiXian to[Daily economic news]Reporter introduced said,At present the approval longwan rural commercial bank shareholders structure a total of more than 200 enterprises.the,After the public orientation after placement,The new 15 enterprise,Raise a total of 425.58 million shares,According to the price of 2.04 yuan per share,A total of 800 million yuan more than absorbing private capital.

　　“入股的企业大部分为温州市辖区的企业，另外还有辖区外的温商”，张维先说。记者了解到，本次公开定向募股占股本总额的40%以上，其中有4家占比达5%以上，2家占比达3%以上，行业涉及制造业、农业和电子产业等。

"Become a shareholder of the enterprise for most of the jurisdiction of the enterprise,In addition to the jurisdiction of the temperature quotient",ZhangWeiXian said.The reporter understands,The public directional placement accounted for more than 40% of the total share capital,There are four accounts for more than 5%,Two accounts for more than 3%,In manufacturing industry/Agriculture and electronic industry, etc.

　　龙湾农村合作银行的改制也引起资本市场的关注。温州上市公司金卡股份(300349,股吧)(300349.SZ）披露，经董事会批准后参与了竞价认购龙湾农商行，以2.04元/股的价格，认购了龙湾农商行3150万股股份，占龙湾农商行总股本的3.01%，认购资金6426万元。

Longwan rural cooperative bank restructuring also cause the attention of the capital market.Wenzhou a listed company shares(300349,guba)(300349 SZ)disclosure,After approved by the board of directors in bidding subscription longwan farming business,To 2.04 yuan/share price,Subscribe the longwan agriculture business 31.5 million shares,Agriculture accounts for longwan 3.01% of the total equity of the firm,Subscribe capital of 64.26 million yuan.

　　经增资扩股后，龙湾农村合作银行的股本总额由原来的2.07亿元增加至10.45亿元，其中法人股东5.43亿股，占股份总额的51.94%。

After the increase endowment spread,Longwan rural cooperative bank total capital stock of the original 207 million yuan increased to 1.045 billion yuan,The institutional shareholders 543 million shares,Accounted for 51.94% of the total amount of shares.

　　金卡股份公告显示，截至2012年6月30日，龙湾农村合作银行共有营业网点32家，从业人员588人，各项存款余额1307152万元，各项贷款余额889997.08万元。

Gold shares announcement,By 30 June 2012,Longwan rural cooperative bank has branches and home,Employees 588 people,The balance is 13.07152 billion yuan,The loan balance is 8.8999708 billion yuan.

　　值得一提的是，虽然此次农村合作金融机构股份制改革是温州金改的“重头戏”之一，但在一些业内人士看来，温州金改启动至今取得了一定成效，但与人们的期待有不少差距。

Be worth what carry is,Although the rural cooperative financial institutions shareholding system reform is wenzhou gold change"Grand opera"of,But in some in the industry seems to be,Wenzhou gold to start has obtained the certain effect,But with people's looking forward to have a lot of difference.

　　浙江大学经济学院教授、财通证券首席经济学家金雪军向《每日经济新闻》记者表示，农合行等机构的改制不仅发生在温州。目前，包括浙江省，全国多个地方都在推行农信社、合作银行改制为商业银行。

Zhejiang university school of economics professor/Wealth through securities chief economist JinXueJun to[Daily economic news]reporters,GeHang agricultural institutions such as restructuring not only occurred in wenzhou.At present,Including zhejiang,The national multiple places in the implementation of the rural credit cooperatives/Cooperative bank restructuring for commercial bank.

　　张维先也向《每日经济新闻》记者表示，温州金改并未为此次改制带来更大的具体措施和政策优惠。据其介绍，目前，温州辖区包括鹿城区等农业合作银行都在积极改制商业银行，但因为各种原因，进展较为缓慢。

ZhangWeiXian to[Daily economic news]reporters,Wenzhou gold did not change for the restructuring bring more concrete measures and preferential policy.According to the introduction,At present,Wenzhou lucheng district jurisdiction including such as agricultural cooperative bank actively restructuring commercial Banks,But because of all sorts of reasons,Relatively slow progress.