[ 温州中小企业发展促进会会长周德文表示，利率市场化的试点可能会在温州特定区域和特定领域内进行 ]

[the wenzhou small and medium-sized enterprise development promotion association, said zhou dewen,Interest rate marketization of pilot may be specific regions and within specific areas in wenzhou]

　　温州金融改革自去年3月28日得到批准至今，已经接近一周年，目前温州面临的依然是更多的困惑和对政策的期待。

Financial reform in wenzhou since last March 28 was approved today,Is close to a year,Currently in wenzhou is still facing more confusion and look forward to of policy.

　　“现行的法律法令对金改有很多条条框框，所以金改一年没有取得重大突破。”浙江省人大代表、温州中小企业发展促进会会长周德文昨日（3月4日）在北京表示。

"The current law on gold has many rules,So instead of the gold have no major breakthroughs were made in a year."Zhejiang people's congress/Council for the promotion of the development of small and medium-sized enterprises in wenzhou zhou dewen, yesterday(On March 4)Said in Beijing.

　　今年两会之后，各个地方的金改可能会全面加速，面对深圳、广东等地方的金改提速，温州也自然感受到了压力。今年，温州也蓄势待发，期待在关键环节能够得到实质的突破。其中包括，小贷公司转村镇银行、设立纯民资信托公司、设立“票据中心”等。

After the two sessions this year,Gold in every region of the change may be accelerated in an all-round way,In the face of the shenzhen/Change places such as guangdong gold faster,Wenzhou is natural feeling the pressure.This year,Wenzhou is gaining momentum,Looking forward to hearing from substantial breakthrough in key links to.including,Small loan company and village Banks/To set up the pure what trust company/To set up"Ticket center", etc..

　　设村镇银行 Set up village Banks

　　温州金改之初，民间资本设立银行、小贷公司转村镇银行被认为是最有希望能够得到突破的。不过，这份希望被卡在了现有的监管法规上。

Wenzhou gold at the beginning of the change,Private capital to set up the bank/Small loan company and village Banks are considered to be the most hope to be able to get breakthrough.but,The want to be stuck in the existing regulations.

　　不过温州人懂得如何变通，据周德文介绍，今年，温州再上报了一批小贷公司转村镇银行，更提出了“双发起人制”的方式。

But wenzhou people know how to workaround,According to Mr Zhou,This year,Wenzhou again reported a batch of small loans company and village Banks,Put forward more"Double the originator"The way.

　　“对于双发起人制度的提倡，银监会并没有公开反对。”周德文称，这可能是一个乐观的信号。有人提出小贷公司转村镇银行，可以先以银行作为主发起人，等一年之后再由民间资本收购银行持有的股份，对于该提议周德文表示，没有太大必要，监管层大可以在村镇银行设立之后，加强监管力度来防范风险。

"For the promotion of the dual initiator system,Banking regulatory commission has not publicly opposed."Mr Zhou said,This may be a positive signal.Some small loans company and village Banks,Can start with a bank as the main sponsors,After one year again by private capital acquisitions of Banks' holdings of shares,For Mr Zhou said the proposals,There is no need too big,Regulators can after set up village Banks,Strengthen the supervision to guard against risks.

　　2012年，就在温州希望通过金改能够获得民间资本进入银行领域的松绑之时，银监会明确要求，坚持银行作为村镇银行的主发起人。村镇银行主发起人的问题得不到解决，温州小贷公司转制村镇银行的激情在逐渐消失。

In 2012,,In wenzhou, hope that through gold change access to private capital to enter banking sector unbundling,Banking regulatory commission (CBRC) specific requirements,Adhere to the bank as the main sponsor of village Banks.Village Banks main sponsors of the problem is not solved,The passion of village Banks in the conversion of the wenzhou small loans company gradually disappear.

　　去年，温州就有苍南联信小额贷款股份有限公司、乐清正泰小额贷款有限责任公司上报转为村镇银行。也有民营企业欲发起设立科技银行、华侨银行、行业银行等三家民资银行。不过，都因为主发起人的问题被监管层退回。

Last year,,Wenzhou cangnan comerica small loan co., LTD/Yueqing chengtai small loan co., LTD. Reporting into rural Banks.Also has a private enterprises want to established bank of science and technology/ocbc/Industry bank three what Banks, etc.but,Is for the sponsor of the problem by regulators returned.

　　华峰小额贷款公司董事长翁奕峰就曾表示，公司已经具备了转村镇银行的条件，但是如果发起人问题不解决，大家都不会转村镇银行，除非修改办法允许民营资本进入，还有就是建立起存款保险制度和存款利率自由化。据了解，他明确提出了不转村镇银行。

Huafeng WengYiFeng microfinance company chairman has said,Companies have turned to the conditions of the rural Banks,But if the originator doesn't solve,Everyone won't turn village Banks,Unless changes to allow private capital to enter,And establish the deposit insurance system and deposit interest rates liberalization.We have learned,He didn't explicitly put forward the village Banks.

　　“必须解决民间资本进入的玻璃门、弹簧门。”全国人大代表、温州市市长陈金彪在接受媒体采访时称，“村镇银行”的组建，必须要有个国有商业银行作为主发起人，如果民资想参与而银行没有兴趣，就相当于是民资进入村镇银行的玻璃门。

"Must solve the folk capital into the glass door/Swing door."The National People's Congress/Wenzhou city mayor Chen Jinbiao told reporters at wishard hospital in Indianapolis,"Village Banks"The formation of the,There must be a state-owned commercial Banks as the main sponsors,If what Banks have no interest in want to participate,The glass door is quite so what into rural Banks.

　　对于民资发起设立或者小贷公司转制村镇银行，周德文则显得并不那么悲观。他预计，2013年，温州至少会有1~2个纯粹的民营银行诞生，哪怕是小银行，包括小贷公司转成村镇银行。

For what was established or small loans company transfers the village Banks,Mr Zhou is not so pessimistic.He expects the,In 2013,,At least 1 ~ 2 in wenzhou purely private bank was born,Even a small bank,Including the small loan companies into rural Banks.

　　蓄势大突破 Gaining breakthrough

　　“今年新一轮的改革已经箭在弦上，马上会推出。”据周德文介绍，今年预计温州除了民营银行的突破之外，一些新的金融改革已经有眉目。

"This year a new round of reform has been imminent,Will soon launch."According to Mr Zhou,Wenzhou except for the private bank's breakthrough is expected this year,Have to make some new financial reform.

　　据了解，最多一个月之后，温州两家票据中心将会设立，这意味着温州的票据贴现将从地下操作，转为合法经营。同时，温州均瑶集团主发起的总资本10亿元的温州本地信托公司已经上报，资金全由民间资本投入。

We have learned,After a month at most,Wenzhou center will set up two bills,This means that the discount from wenzhou underground operations,Into a legitimate business.At the same time,Wenzhou juneyao group launched a total capital of 1 billion yuan of wenzhou local Lord trust company has reported,Money all by private capital investment.

　　温州金改一年以来，除了民间借贷登记中心的成行是一大突破之外，民间资本管理公司的发展也是一大亮点。据悉，温州已经成立了10家左右的民间资本管理公司，目前，已经有三家此类公司开始承接银行的不良贷款。此前，华峰民间资本管理公司就与工行温州分行达成协议，收购该行2.7亿元不良资产。

Wenzhou gold a year,In addition to private lending registration centre lines is a breakthrough,Folk capital management, the development of the company is also a major bright spot.It is understood,Wenzhou has set up 10 or so of the folk capital management,At present,There have been three such companies began to undertake the non-performing loans of Banks.after,Huafeng folk capital management companies reached an agreement with the icbc wenzhou branch,Acquisition of bank non-performing assets of $270 million.

　　周德文还表示，今年浙江省有关民间借贷管理条例也可能出台，民间借贷的规范化、阳光化问题将得以解决。

Mr Zhou said,Zhejiang province this year about the folk lending regulations can also be introduced,The standardization of the folk lending/Sunlight to problems will be solved.

　　2012年6月份，同样深陷民间借贷风暴的鄂尔多斯(600295,股吧)出台了《鄂尔多斯市规范民间借贷暂行办法》，这是国内首部系统规范民间借贷的文件。

In June 2012,Also in the ordos folk lending storm(600295,stocks)Introduced a[Ordos city specification folk lending interim measures],This is the first private lending system specification file.

　　温州金融办有关部门负责人曾表示，把机制体制建设好，比小贷公司转村镇银行可能更有意义，建立适合的民间金融法规和风控体系，建立一套完整的体制机制，要比一两个标杆性的项目来得更为实际。

Wenzhou financial department chief has said,The construction of mechanism system,Than small loans company and village Banks may be more meaningful,To establish suitable for folk financial regulations and wind control system,Establish a complete set of institutions and mechanisms,To more than one or two landmark projects practice.

　期待利率市场化试点 Looking forward to interest rate marketization of pilot

　　温州金改一年，呼吁较多的是利率市场化的试点。“基准利率的4倍是否需要放开？”“是否要在温州开展利率市场化试点？”这些都是业界对金改讨论较为激烈的话题。

Wenzhou gold a year,Called for more interest rate marketization of pilot."Benchmark interest rates four times if I need to let go?""If we need to trial market-oriented interest rate will be carried out in wenzhou?"These are the industry to discuss a hot topic for gold.

　　在市场普遍预期利率市场化会加快进程的2013年，周德文表示，利率市场化的试点可能会在温州特定区域和特定领域内进行。

In a widely expected interest rate marketization will speed up the process in 2013,Mr Zhou said,Interest rate marketization of pilot may be conducted in specific areas and specific areas in wenzhou.

　　“特定的区间、特定的领域进行试点，比如在温州区域里面率先进行试点，在3个月短期贷款这个区间进行利率浮动，争取打破基准利率4倍的限制。”周德文对本报称，应该会在今年下半年推进试点。

"A specific interval/Specific domain to pilot,Such as in wenzhou region take the lead to pilot,In the three months short-term loan the interest rate floating range,To break the limit benchmark interest rates four times."Mr Zhou for the newspaper said,Should be in the second half of this year to promote pilot.

　　他之所以有这样的判断，主要基于浙江省民间借贷法规的出台，还有就是温州地方金融监管基础已经形成。

He has such a judgment,In zhejiang province is mainly based on folk lending rules,There is wenzhou local financial regulation base has been formed.