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温州民间借贷的发展历程,引出一个耐人深思的问题,即改革开放以来,温州涌现了数十万民营企业家,为何却造就不了一个民营银行家?2011年下半年爆发的温州民间借贷危机,其规模之大引起中央的高度关注,并促其成为继厦门之后又一个被国务院批准的国家级综合配套改革试验区(以金融改革为重点)。放宽民营经济在小型金融机构的准入门槛,允许民营企业开办村镇银行,以及将符合条件的小额贷款公司转变为村镇银行,是未来若干年我国金融体制改革的重点、热点。伴随着我国金融市场的逐步开放,以及利率市场化的稳步推进,必然会更好地为我国民营经济的健康发展提供金融保障。
Wenzhou folk lending history leads to a thought-provoking question, that since the reform and opening up, Wenzhou emerged hundreds of thousands of private entrepreneurs, why not create a private banker? Wenzhou, the second half of 2011 broke the private lending crisis in Wenzhou, Its size has drawn great attention from the Central Government and prompted it to become another comprehensive pilot area for comprehensive reform (focusing on financial reform) following Xiamen’s approval by the State Council. Relaxing the access threshold for private economy in small financial institutions, allowing private enterprises to set up village banks, and converting eligible small loan companies into rural banks will be the focus and focus of China’s financial system reform in the coming years. With the gradual opening of China’s financial market and the steady marketization of interest rates, it is bound to better provide financial security for the sound development of China’s private economy.