温州“金改”将满一周岁，而陈金彪担任温州市长也刚满一周年。

wenzhou"Gold to change"Will be a full one full year of life,And Chen Jinbiao served as mayor of wenzhou has just turned a year.

　　这场金融改革背后，折射的是温州、浙江乃至全国民营经济面临的危机。因此，自温州“金改”推开后，全国各省市纷纷到温州取经，探索当地“金改”道路。

Behind the financial reform,Refraction is wenzhou/Private economy in zhejiang province and even the whole country are faced with the crisis.so,Since the wenzhou"Gold to change"After the open,The experiences of national each provinces and cities have been to wenzhou,To explore the local"Gold to change"The road.

　　在今年两会期间，作为全国人大代表的陈金彪提出的两个议案分别是关于民资参与金融机构和农村产权制度改革。“温州的金融改革要突出几个特点，一是民资，二是服务实体经济，三是垄断领域向民资开放。”陈金彪说。

During the two sessions this year,Chen Jinbiao put forward two as a representative of the National People's Congress bills are about what was involved in financial institutions and rural property system reform."Wenzhou's financial reform to highlight a few features,One is what,2 it is to service the real economy,Open to what is monopoly sector."Chen Jinbiao said.

　　“没有夕阳的产业，只有夕阳的产品” "Not the sunset industries,Only the product of the sunset"

　　《21世纪》：这两年温州发生的局部金融风波怎么看？

[The 21st century]:Wenzhou's local financial turmoil over the past two years?

　　陈金彪：这确实是一个大危机，但比较重要的是，我们的企业家由此进一步认识到坚守主业、做强实业的重要性。民间资金链的断裂有多种因素，其中之一跟我们有些企业过度扩张、多元化有关，跟部分企业家心理上相对浮躁，盲目投资有关。

Chen Jinbiao:This is indeed a big crisis,But more importantly,We entrepreneurs thus further realize the stick to business/And stronger industrial importance.The folk capital chain rupture has a variety of factors,One of them with some of our enterprise excessive expansion/Diversity on,With some entrepreneurs relative psychological fickleness,Blind investment related.

　　温州的主业是以传统的轻工制造业为主，像服装、皮革、器模配、泵阀等。我认为没有夕阳的产业，只有夕阳的产品，关键看产业能不能转型、提升，能不能成为产业链中的高端。温州市委市政府非常重视抓实业。

Wenzhou's main business is based on the traditional light manufacturing,Like clothing/leather/Implement die with/Pump valve etc..I don't think the sunset industry,Only the product of the sunset,The key can see industry transformation/ascension,I can become the industrial chain of high-end.Wenzhou municipal government attaches great importance to industry.

　　《21世纪》：温州市对于振兴实业有什么具体举措？

[The 21st century]:Wenzhou for the revitalization of industry have what specific measures?

　　陈金彪：一是抓存量的提升，温州出台了振兴实体经济“1+X”一系列的政策；通过对低小散产业的整合重组，提出个转企，规下转规上，商贸企业线下转线上，以及建立现代股份制企业、培育等，逐渐形成一个庞大的产业链，由龙头企业来带动；还有“三保倒逼”，是指通过环保、保险、知识产权保护，来倒逼高能耗高污染的企业关闭整治，打击假冒伪劣不合格的企业。

Chen Jinbiao:Is a stock of ascension,Wenzhou introduced the revitalization of the real economy"1 + X"A series of policy;Through integration of low small scattered industry restructuring,Put forward a ',Turn on the gauge under rules,Business enterprise turn online offline,And to establish the modern joint-stock enterprises/Breeding, etc.,Gradually formed a huge industrial chain,To be led by leading enterprises;There are"SanBao reversed transmission",Is to point to by environmental protection/insurance/The protection of intellectual property rights,By high energy consumption high pollution enterprise close regulation,Combating counterfeit and inferior unqualified enterprises.

　　二是增量引进，培养高新的技术产业。科技部把温州作为产业集群的试点，我们正在培育激光与光电产业，成功后可以与原有产业对接，帮助其提升。另外还有其它的新材料、新能源产业等都在考虑打造，比如温州的潮汐能发电站等。

Second is the incremental introduction,Training high new technology industry.Ministry of science and technology as the pilot of industrial cluster in wenzhou,We are producing laser and optoelectronics industry,After the success can dock with the old ones,Help to improve.In addition there are other new materials/New energy industry and so on are considered,Such as wenzhou tidal power station, etc.

　　“金融改革不可能一蹴而就” "Financial reform will not happen overnight"

　　《21世纪》：温州去年起步的金融改革引发外界很多的议论，有褒有贬，你怎么看？

[The 21st century]:Wenzhou start last year's financial reform has raised a lot of discussion,Have or have fall,What do you think?

　　陈金彪：金融改革是要建立与实体经济相匹配的地方金融体系，经过一年的实践取得了阶段性的成果，四大体系的建设上已经部分破题。当然，社会上也有很多质疑的声音，可能跟大家的期望有些差距。但是，金融改革不可能一蹴而就，金改也不可以包治百病，要引导大家正确的期望值，按既定的步骤慢慢推进改革。

Chen Jinbiao:Financial reform is to build a financial system match the real economy,After a year of practice has made phased achievements,For the construction of four system is part of the presentation. Amplification.Of course,,Society has a lot of questions,May have some difference with everyone's expectations.but,Financial reform will not happen overnight,Gold can't be a cure-all,To guide you the right expectations,According to the established slowly advancing reform steps.

　　比如服务体系的建设，与中小企业的需求还有段时间要对接；比如对于活跃的民间资本，监管体系还没有完全到位，这些落差都是存在的。而民间借贷合法的问题，比如不得超过银行利率4倍，是不是有法律意义上的定位？现在也没有特别的依据。同时，必须有个完整的信用体系，出借过程中必须要有中介机构为其服务，比如财务公司、法律事务所，这些中介体系要完善起来，这都需要个过程。

Such as the construction of service system,With the requirements of the small and medium-sized enterprises (smes) have time to docking;Such as for active private capital,Regulatory system is not fully in place,These drops are present.The folk lending legal problems,Such as no more than 4 times bank rates,If there are any legal sense of orientation?Now also have no special basis.At the same time,Must have a complete credit system,Lending process must have agency for its services,Such as financial company/The law firm,The mediation system should be improved,This requires a process.

　　我们希望《民间借贷管理条例》尽快建立。

We want to[The regulation of private lending]Set up as soon as possible.

　　《21世纪》：那么温州的金融改革的侧重点是什么？

[The 21st century]:So what is the emphasis of financial reform in wenzhou?

　　陈金彪：温州的金融改革要突出几个特点，一是民资，二是服务实体经济，三是垄断领域向民资开放。这三方面能够建立一整套完整的体制机制，能为全国先走出一条路子。

Chen Jinbiao:Wenzhou's financial reform to highlight a few features,One is what,2 it is to service the real economy,Open to what is monopoly sector.These three aspects to establish a set of complete systems and mechanisms,For the country out of the way first.

　　有些政策地方要大力去突破，而有些法律地位、国家税收方面的问题，就需要国家顶层设计。比如民间借贷双方一旦达成借贷关系，按规定要交税，我们希望暂时能给予优惠或减免。

Some policies anywhere to make significant breakthrough,And some of the legal status/National tax issues,You need to state the top-level design.Such as lending to private lending once come to a relationship,To pay taxes according to regulations,We hope that you can give preferential or temporary relief.

　　此外，在中国人民银行的信用体系外，温州市政府正在建立一个覆盖面比较广的征信体系，直接成立了信用办，由各相关部门协调合作，逐步收集各方面的信用信息，我们也欢迎民间建立征信体系。

In addition,Outside the people's bank of China credit system,Wenzhou city government is setting up a credit system coverage more widely,Established credit office directly,By the related departments coordination,Collect all aspects of the credit information step by step,We also welcome the folk credit reporting system is established.

　　《21世纪》：面对现在的地方财政压力，温州有什么应对之策？

[The 21st century]:Facing the current local fiscal pressures,Wenzhou what's the solution?

　　陈金彪：企业是重要的税源，财政收入的好坏跟宏观经济紧密相连，现在我判断宏观经济已经触底回暖，一定要涵养税源，让企业休养生息，税赋不要太重，有利于企业转型升级。支出要节约，但对民生问题要保障，重点的基础设施要投入，合理调配支出。

Chen Jinbiao:Enterprise is an important tax sources,The stand or fall of revenue with the macro economic are closely linked,Now I judge macro economy has bottomed rebound,Tax must be self-restraint,Allows companies to recuperate,Taxes not too heavy,Is advantageous to the enterprise transformation and upgrading.Spending to save,But for people's livelihood problems to guarantee,Focus on infrastructure spending,Reasonable allocate spending.