主任、副主任、秘书长、各位委员:受省政府委托,我对《温州市民间融资管理条例(草案)》(以下简称草案)作如下说明:一、立法必要性温州是我国民营经济发展最早、民间资本最为充裕、民间金融最为活跃的地区之一。长期以来,温州民间融资在解决不同层次融资需求、弥补银行信贷不足等方面发挥了积极作用。与此同时,民间融资也存在较大的风险隐患。2011年下半年爆发的温州民间借贷风波,很大程度上与民间融资法 Director, Deputy Director, Secretary General and Members: As entrusted by the provincial government, I hereby give the following explanation to the “Wenzhou Civil Financing Regulations (Draft)”: I. Necessity of Legislation Wenzhou is the earliest development of private economy in our country , The most abundant private capital, one of the most active areas of civil finance. For a long time, Wenzhou private financing has played a positive role in solving financing needs at different levels and making up for lack of credit in banks. At the same time, private financing also has greater risks. The outbreak of private lending in Wenzhou in the second half of 2011, largely with private financing law