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温州金融综合改革是全国首个国家级区域金融改革试点,经过五年多实践,最初预定的改革任务基本完成。该项改革可以总结的经验有很多,经过实地调研,文章从小微金融角度对温州金改进行了总结。调查发现,温州金改在解决"两多两难"、构建地方金融"四大体系"、规范民间金融、创新对小微企业的金融服务、构建小微金融背景下的信用环境、形成反映民间(小微)金融综合利率水平的"温州指数"等方面做出了许多创新探索,一些做法已经在浙江省乃至全国进行了推广。文章认为,温州金融改革为探索小微金融的中国方案提供了一个样本。
Abstract：Wenzhou's comprehensive financial reform is the first state level regional financial reform pilot in the country. For more than five years,the originally scheduled task of reform has been basically completed. There are many lessons to be drawn from this reform. After field research,this paper summarizes what Wenzhou has done in the field of small business finance. The survey finds that Wenzhou has done a lot of explorations in the process of financial reform,such as settling the "two dilemmas in financing",constructing the "four systems"of local finance,how to regulate private finance,how to innovate financial services to small business finance,and improving credit environment for small business finance. "Wenzhou index"has become an important index to observe the healthy situation of the private finance. Some practices in Wenzhou reform have been carried out in Zhejiang Province and throughout the country. This report argues that the Wenzhou financial reform provided a sample for the China program to explore small business finance.
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(1)“两多两难”:民间资金多、投资难,中小企业多、融资难。
(2)“四大体系”:金融组织、产品和服务、资本市场和地方金融监管。
(1)温州金融改革五周年:修复“温州信用”溢出“金改红利”2017年04月20日08∶31新华网。
(1)2012年末,温州市制造业贷款为2568亿元,到了2016年末减少到1604亿,减少近1000亿,幅度达到37.5%。但是据调查,当时的制造业贷款真正投向制造业的并没有那么多,而是绕道进入其他炒作背景的相关行业。而现在的制造业贷款则是较为真实的投入金额。
基本信息:
DOI：10.14134/j.cnki.cn33-1336/f.2018.07.008
中图分类号:F276.3;F832.7
引用信息:
[1]赵英军.探索中国式小微金融发展之路的尝试——关于温州金改中小微金融实践的调查[J].商业经济与管理,2018,No.321(07):76-82.DOI:10.14134/j.cnki.cn33-1336/f.2018.07.008.
2018-07-15
2018-07-15