温州市市长陈金彪昨日在接受媒体采访时表示，《浙江省温州民间融资管理条例》（以下简称《条例》）已经报送省级层面，正式进入立法流程。

Wenzhou city mayor Chen Jinbiao said yesterday in an interview with the media,[The regulation of private financing in wenzhou in zhejiang province](Hereinafter referred to as the[regulations])Has been submitted to the provincial level,Formally enter the legislative process.

　　下一步，浙江省法制办、浙江省金融办等部门将会对《条例》开展征求意见和审核，在形成审核意见后，报送省政府常务会议审议，随后再报省人大常委会审核。陈金彪表示，力争今年年内通过立法并出台施行。

The next step,Legislative affairs office of zhejiang province/Zhejiang financial departments will have[regulations]To carry out the comment and review,After the formation of audit opinions,Submitted to the provincial government executive meeting review,Then submitted to the standing committee of the provincial audit.Chen Jinbiao said,Strive to introduced this year through the legislation and enforcement.

　　陈金彪还表示，经过多方论证，《条例》拟选择以“年”为时间周期的利率安排，参照“温州指数”利率水平，设定一定的借贷资金年利率上限。《条例》草案编制负责人、浙江大学光华法学院教授李有星此前接受本报采访时表示，借贷资金年利超48%，将遭行政处罚。48%是政府干预的利率上限。48%的年利，是正式利息和各种变相收益的总和。

Chen Jinbiao also said,After much argument,[regulations]To choose to"years"For the time period of interest rates,With reference to"Wenzhou index"Level of interest rates,Set certain borrowing funds interest rate upper limit.[regulations]The draft head/Zhejiang university guanghua law school professor Li Youxing after an interview with the financial times said,Loan capital by more than 48% p.a.,To administrative penalties.48% is the interest rate upper limit of government intervention.48% p.a.,Is the sum of official interest rates and various disguised benefits.

　　3月12日，本报曾报道《条例》已基本起草完毕，将于时机成熟时提交省人大大会表决。随后有金融和法学界人士认为，《条例》只是地方层面的指导意见，没有强制性。

On March 12,,The newspaper reported[regulations]Have been drafted,Will be submitted to the provincial assembly voting when the time is right.Then there are financial and law thought,[regulations]Just at the local level guidance,Not mandatory.

　　对此，李有星明确对本报记者表示，《条例》属地方性法规，可作为法院审判的依据。他解释称，全国人大通过的叫法律，国务院制定的叫做行政法规，地方人大通过的叫做地方性法规。从位阶来看，地方性法规虽然低于法律，但高于政府规章和行政规范性文件，具备法律效力，可以作为法院审判的依据。

For this,Li Youxing clear to our correspondent says,[regulations]Belongs to the local regulations,Can be taken as the basis for the court trial.He explains,Through the call of the National People's Congress law,Called the administrative rules and regulations formulated by the state council,The place National People's Congress pass through are called local regulations.From the pecking order,Although local regulations under the law,But more than the government regulations and administrative normative documents,Have the force of law,Can be used as the basis for the court trial.