温州金融生态环境过去一直走在全国同类城市前列。这次区域金融风波，对我们的金融生态造成了一些冲击。去年以来，我们围绕“努力使全市银行业金融机构不良贷款率在较短时间内，以平稳的方式下降到一个合理的范围内”这个工作目标，组织开展风险企业帮扶和银行不良贷款化解专项行动。

Wenzhou financial ecological environment has been one of the leading enterprises in the similar cities in China in the past.The regional financial turmoil,Financial ecology has caused some impact to us.Since last year,We are around"Strive to make the banking financial institutions in the city a non-performing loan ratio in a relatively short period of time,To smooth the way down to a reasonable range"The work target,Helping organization to carry out the risk enterprises and Banks non-performing loans to resolve special operation.

　　2012年是温州金融综合改革的起步之年，3月28日，温州“金改”将满一周岁。巧合的是，这距离去年两月底陈金彪临危受命成为温州市长也刚好一周年。

In 2012, is the starting year of wenzhou financial comprehensive reform,On March 28,,wenzhou"Gold to change"Will be a full one full year of life.By coincidence,The distance at the end of last year two Chen Jinbiao reimbursing became mayor of wenzhou, in just a week, too.

　　两会期间，陈金彪也提出了两份提案，分别是关于民资参与金融机构和农村产权制度改革。结合当下特殊的历史处境，陈金彪和时代周报记者分享了温州金改一年所取得的成果。

During the two sessions,Chen Jinbiao also puts forward two proposals,About what was involved in financial institutions and rural property system reform.Combined with the special historical situation,Chen Jinbiao and time weekly reporters to share the achievements of financial reform in wenzhou for one year.

　　

温州金改开局良好 Wenzhou gold to got off to a good start

　　时代周报：温州金改全国都给予很大期待，请你简单评价一下。

Time weekly:Wenzhou gold change across the country are giving great expectations,Please give a simple evaluation.

　　陈金彪：一年来，我们按照国务院意见确定的12条要求，根据浙江省委省政府提出的实施意见，围绕破解民间资金多投资难、小微企业多融资难的“两多两难”问题，确定了78个具体项目，总体进展顺利，开局良好。主要成效体现在四个方面：

Chen Jinbiao:Over the past year,We according to the opinions of the state council determine article 12 requirements,According to the implementation opinions put forward by the zhejiang provincial government,Around the folk capital investment more difficult/Small micro enterprise financing more difficult"More than two dilemma"The problem,Determine the specific project 78,Smooth progress was made in the overall,Got off to a good start.Main effect is embodied in four aspects:

　　一是地方金融服务体系深化创新。二是地方金融组织体系不断完善。三是区域资本市场体系加快构建。开设温州金融改革广场，做强做大市股权营运中心，股权交易额、交易量居全省前列。推进中小企业改制和上市工作。制定政府平台建设引导基金和创业投资管理办法，率先探索政府基础设施建设项目私募股权融资。比如首单15亿元以私募方式推出的市域铁路“幸福股份”一个月内即被认购一空。四是地方金融监管体系进一步健全。设立温州市地方金融管理局，成立金融仲裁院、金融犯罪侦查支队和金融法庭。开展风险企业帮扶和银行不良贷款化解专项行动，推动社会信用体系重构。

One is deepening the innovation of local financial services system.Second, local financial organization system constantly improve.Three is the regional capital market system to speed up the building.Open square financial reform in wenzhou,To enlarge the market operations center,Equity transactions/Volume ranked among the top in the province.Promote the restructuring and listing of small and medium-sized enterprises.Make government platform construction guide funds and venture investment management approach,Takes the lead in exploring the government infrastructure projects private equity financing.Such as the first single 1.5 billion yuan of xiamen city railway in private way"Share happiness"Was sold out in a month.Four is to further improve the local financial supervision system.Set up wenzhou local monetary authority,Set up financial arbitration court/Financial crime investigation team and financial court.Risk enterprise support and bank non-performing loans to resolve special operation,To promote the social credit system reconstruction.

　　当然，我们也知道大家现在对金改的期望值很高，除了刚才讲的一些成效外，还明显存在“三个落差”，即实际进度与人们的预期有落差，中小企业的需求和目前能够提供的服务有落差，非常活跃的民间借贷行为与监管力量薄弱有落差。下一步，我们将重点解决这“三个落差”，真正让实体经济享受到金改“红利”。

Of course,,We also know that now everyone's expectations of the reform is very high,In addition to just speak some of the results,Also evident"Three drops",The actual schedule has gap with expectations,Small and medium-sized enterprises have the requirements, and can provide service gap,Very lively folk lending and regulatory forces weak have head.The next step,We will focus on this"Three drops",Really can enjoy gold instead of real economy"The dividend".

　　

民间借贷立法谨慎推进 Private lending legislation advance carefully

　　时代周报：金改过程中，民间借贷也一直是关注重点，我也看到你一直在呼吁立法，那么现在民间融资管理条例进展程度如何？两会期间有没有和相关部门沟通过？如果要立法，你认为，民间借贷管理的利息上限应该放在一个什么位置？

Time weekly:In the process of reform,Private lending has also been a focus,I also see you have been calling for legislation,So how folk financing regulations progress now?During the two sessions ever communicate with related department?If you want to legislation,Do you think,Private lending management interest limit should be placed in a location?

　　陈金彪：关于民间借贷立法，省里非常重视，成立了省、市联合起草小组，共同推进《浙江省温州民间融资管理条例》这个全国第一部民间融资立法的制订出台。去年9月正式启动起草工作以来，我们主要做了三项工作：

Chen Jinbiao:Legislation on private lending,The province attaches great importance to,Established the province/The city joint drafting team,Jointly promote[The regulation of private financing in wenzhou in zhejiang province]The legislation for the country's first private financing.Launched in September last year since the drafting work,We mainly do the three tasks:

　　一是征集立法需求建议。先后召开民间金融组织代表、在温高校专家学者、律师代表等座谈会，实地调研民间借贷服务中心、民间资本管理公司、小额贷款公司等新型民间金融组织，走访重点行业协会，面向全社会征求民间融资的立法需求和相关建议。

One is the needs of soliciting legislative advice.Successively hold the folk financial organization representatives/Experts and scholars in colleges and universities/A lawyer on behalf of the symposium,Field investigation of folk lending service center/Folk capital management/New folk financial organizations such as microfinance company,Visit a key industries association,Adapt to the need of the society as a whole for the folk financing legislation and related Suggestions.

　　二是不断充实立法内容。《条例》起草小组系统全面地整理了国内外文献资料和国内外的现有立法例。

The second is constantly enrich the content of the legislation.[regulations]The drafting team sort out the literature at home and abroad systematically and existing legislation cases both at home and abroad.

　　三是开展起草论证评审。《条例》起草小组多次召集温州民间融资相关主管部门和市人大、法院、法制办等部门单位，就《条例》条款框架与内容进行修改完善。同时，省人大法制工作委员会也多次组织召开立法项目论证会，开展民间融资地方性立法的必要性与可行性等问题的立项论证，特别是重点探讨《条例》的内容设计是否与现有上位法冲突问题，是否属于地方人大的可立法范围等一系列尖锐问题。

Three is to carry out the drafting the review.[regulations]Drafting team repeatedly called wenzhou folk finance related departments and municipal/The court/Legislative affairs office and other departments,it[regulations]Terms of framework and contents of modification.At the same time,Provincial commission of legislative affairs, have organized legislation a project discussion meeting,Folk financing problems such as local legislation the necessity and feasibility of the project,Especially discusses[regulations]If the content of the design conflict with existing ShangWeiFa problem,Whether to fall within the scope of the place National People's Congress is legislation and a series of problems.

　　目前，《条例》已报送省级层面，正式进入立法流程。下一步，省法制办、省金融办等部门将会对《条例》开展意见建议征求和具体审核，并形成审核意见报省政府常务会议审议，审议后再报省人大常委会审核，温州市将继续积极努力配合工作，力求在今年年内通过立法并出台施行。《条例》内容紧贴实际，并将温州民间融资管理方面的突出矛盾作为抓手，其中就包含借贷利息问题。经前期多方求证，《条例》拟选择以“年”为时间周期的利率安排，以引导利率合理化。参照“温州指数”的利率水平，设定一定的借贷资金年利率上限。

At present,[regulations]Has been submitted to the provincial level,Formally enter the legislative process.The next step,Provincial legislative affairs office/Provincial financial departments will have[regulations]To carry out the opinion suggestion soliciting and detailed review,And form the audit opinion to the provincial government executive meeting review,After review again submitted to the standing committee of the provincial audit,Wenzhou city will continue to actively trying to work with,Strive to within this year through the legislation and enforcement.[regulations]Content close to the actual,And will be the prominent contradiction of wenzhou folk financing management as a gripper,Which contains the lending interest problem.Premenstrual multilateral verification,[regulations]To choose to"years"For the time period of interest rates,To guide rates rationalization.With reference to"Wenzhou index"The level of interest rates,Set certain borrowing funds interest rate upper limit.

　　

争夺个人境外投资试点 For the individual pilot overseas investment

　　时代周报：《浙江省温州市金融综合改革试验区实施方案》出台以后，12条“实施细则”中提到了“开展个人境外直接投资试点”。此次两会期间，这方面事宜有没有和国务院方面沟通过？除温州以外，现在不少城市都在争取第一单，温州的优势在哪里？

Time weekly:[Zhejiang wenzhou financial comprehensive reform pilot area and implementation plan]After a,Article 12."Detailed rules for the implementation"Mentioned in the"To carry out the pilot private overseas direct investment".During the two sessions,This issue ever communicate with aspects of the state council?In addition to the wenzhou,Many cities are trying to get the first order now,The advantage of wenzhou in where?

　　陈金彪：温州从2008年启动“民营经济创新发展综合配套改革试点”，将“个人境外直接投资”作为改革创新的重要内容予以推进，到温州金融综合改革试验区获批，酝酿个人境外直接投资试点前后已经历经了4个年头，一直是备受关注的焦点，但因涉及面广，影响面大，各方面都非常谨慎，也迟迟未能取得实质性突破。

Chen Jinbiao:Wenzhou starting from 2008"Development of private economy innovation the comprehensive reform pilot",Will be"Personal foreign direct investment"As an important content to promote reform and innovation,To wenzhou financial comprehensive reform pilot area approved,Making personal pilot before and after the foreign direct investment has experienced four years,Has been the focus of attention,But because of the wide range,widespread,All aspects are very cautious,Also slow to make substantive breakthrough.

　　从当前情况看，温州抓这项工作有基础、有条件，也更有信心和动力，可以说是“万事俱备，只欠东风”。

Look from the current situation,Wenzhou to grasp the work foundation/conditional,Also have more confidence and motivation,Can be said to be"everything,Only owe the east wind".

　　一是政策保障走在前列。去年3月28日，国务院决定设立温州市金融综合改革试验区，确定将开展个人境外直接投资试点作为“温州金改”的十二项主要任务之一，浙江省12条“实施细则”也在同年11月公布。在试点方案的设计上，我们对操作程序、运作规范和监管措施等方面都已作了具体明确，确保投资领域符合政策规定，试点风险可预测可控制。

A walk in the forefront of policy support.On March 28 last year,The state council decided to set up wenzhou financial comprehensive reform pilot area,Sure will undertake personal pilot as foreign direct investment"Wenzhou gold change"One of the 12 major tasks,Article 12 in zhejiang province"Detailed rules for the implementation"Also announced in November the same year.On the design of the pilot program,We are operating procedures/Operation specifications and regulatory measures, etc, are made clear,Ensure investments in line with the policy,Pilot predictable risk could be controlled.

　　二是民间资本规模庞大。温州本土有8000多亿的民间资金，并且每年以15%左右的速度快速增长，巨额的民间资金正在寻找出路，具备了资本输出的基础条件，迫切需要一条便捷的投资通道。特别是前年发生民间借贷风波后，巨大的潜在市场需求逐渐被激发，我们除了加强引导民间借贷规范化、阳光化以外，通过开展境外直接投资也是一条便捷有效的渠道。

Second, large scale of private capital.Wenzhou has more than 8000 local folk capital of,And fast growth at the rate of about 15% a year,Large private capital is looking for a way out,With the foundation of capital output conditions,Urgently need a convenient investment channels.Especially from the folk lending after the storm,Huge potential market demand are gradually,We in addition to strengthen standardization guide informal lending/Sunlight outside,Through the development of foreign direct investment is also a convenient effective channel.

　　三是海外投资基础较好。温州人对商机灵敏，海外投资热情高，近年来温州市企业境外直接投资和个人外汇收支双向增长，目前有60多万温州人在世界各地从事各类工商活动，有70家华侨华人社团设立温州海外投资促进联络处，有18家境外商品城，有3家大型境外工业园，这些独特的资源优势，为开展个人境外直接投资试点打下了良好的基础。

Three is based overseas investment is better.Wenzhou people sensitive to business opportunities,Overseas investment enthusiasm high,In recent years, foreign direct investment, wenzhou enterprise and individual two-way growth of revenues and expenditures in foreign exchange,Currently has more than 60 wenzhou people engaged in all kinds of industrial and commercial activities in other parts of the world,There are 70 overseas and ethnic Chinese societies set up the overseas investment, promote liaison office in wenzhou,There are 18 goods outside the city,There are three large industrial park outside the territory of China,These unique resources advantage,Pilot implementation for individual foreign direct investment has laid a good foundation.

　　

“控新化旧”消解不良贷款 "Accused of xinhua old"Eliminate non-performing loans

　　时代周报：关于温州不良贷款的治理，我了解到温州金融办成立了专项小组，但现在公开数据显示，不良率仍在上扬，可不可以介绍一下政府在这方面的主要工作重点和治理手段？

Time weekly:About the management of non-performing loans in wenzhou,I learned that wenzhou financial formed special group,But now public data shows,Defective rate continues to rise,Can you introduce the main focus of the government in this regard will and management means?

　　陈金彪：温州金融生态环境过去一直走在全国同类城市前列。这次区域金融风波，对我们的金融生态造成了一些冲击。去年以来，我们围绕“努力使全市银行业金融机构不良贷款率在较短时间内，以平稳的方式下降到一个合理的范围内”这个工作目标，组织开展风险企业帮扶和银行不良贷款化解专项行动，一方面，采取资金帮扶、协调帮扶、政策帮扶等措施，切实帮助部分风险企业解决燃眉之急，比如去年我们设立的10亿元政府应急转贷金，循环使用累计达160多亿元，帮助一批企业渡过了难关。另一方面，综合采取清收、转贷、核销、上划、打包出售、司法处置等各种措施，成功化解了一批不良贷款，有效遏制了不良率迅速上升的势头。

Chen Jinbiao:Wenzhou financial ecological environment has been one of the leading enterprises in the similar cities in China in the past.The regional financial turmoil,Financial ecology has caused some impact to us.Since last year,We are around"Strive to make the banking financial institutions in the city a non-performing loan ratio in a relatively short period of time,To smooth the way down to a reasonable range"The work target,Helping organization to carry out the risk enterprises and Banks non-performing loans to resolve special operation,On the one hand,Take the money help/Coordination and support/Policy support measures,Help part of the enterprise finance risk,Last year we set up a $1 billion government emergency lending gold,Recycling accumulative total more than 160 one hundred million yuan,Help a batch of enterprises through the difficulty.On the other hand,Comprehensive to collect/For re-lending/Cancel after verification/On the cross/Packaging to sell/The judicial disposal measures,To successfully resolving a batch of bad loans,Effectively curb the defective rate is rapidly rising momentum.

　　当然，银行不良贷款的产生是一个复杂的过程，从根本上治理温州银行业金融机构的不良贷款，不是短时间就能完成的，需要地方政府、金融机构、企业和社会各界的共同努力。下一步，我们将“突出一个重点，强化两项举措”。“一个重点”，就是在专项处置工作中做到风险企业帮扶和不良贷款处置并重，“两项举措”：一是“控新”，也就是不新增或少新增不良贷款。重点要加大风险企业的帮扶力度，着力化解企业间的“担保链”问题，尤其要加快风险企业资产重组，加强对小企业、钢贸、光伏、房地产、政府融资平台等领域和重点企业的风险管控，二是“化旧”，也就是积极化解存量不良带贷款。要在银行加强自清自理的基础上，加大政府引导和协调的力度，在法律许可范围内，积极探索开发债务重组、资产推介、转让出售不良资产证券化途径和方法，盘活或分散资产分险。同时，强化司法处置力度，加大恶意逃废债打击力度。

Of course,,Bank non-performing loans is a complicated process,Fundamentally governance wenzhou banking non-performing loans of financial institutions,Not short time can finish,Need to local government/Financial institutions/The joint efforts of enterprises and the social from all walks of life.The next step,We will be"Highlight a key,Strengthen the two initiatives"."An important point",Is in the special disposal work put equal emphasis on risk enterprise support and non-performing loans,"Two initiatives":One is"A new control",That is not new or less new bad loans.Key to intensify risk enterprise support,Strive to resolve between enterprises"Guarantee chain"The problem,Especially to speed up the risk of enterprise assets reorganization,Strengthen the small business/Steel trade/Photovoltaic (pv)/The real estate/Government financing platform and key enterprises in such fields as risk control,The second is"The old",That is resolving the stock of bad loans.To strengthen since the qing dynasty in the Banks themselves. On the basis of,Increase the intensity of government guidance and coordination,Within the scope permitted by law,Actively explore the development of debt restructuring/Assets to promote/Transfer to sell bad assets securitization way and method,Revitalize the asset risk or dispersion.At the same time,Strengthening the judicial disposal,Increase in malicious enforcement crackdown.