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金改2012的一台大戏！
继3月底国务院批准温州成立金融改革试验区之后，深圳前海成为国家金融创新的第二站，在温州、深圳金融创新概念股已经大幅拉升的背景下天津市政府已经上报滨海新区作为金融改革的试点，后续又有湖北资本市场建设。下一站在哪里呢？上海？重庆？
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趋势明确，攻关拔寨，历次行情不外乎煤、有色、地产、券商、银行。
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南京高科参股金融项目都是近期大热点：
小贷，城商行，券商，创投
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[引用原文已无法访问]
南京高科还持有广州农村商业银行1.8亿股，初始成本为5.74亿元
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村镇银行：扎根乡土是胜道
温州金融改革方案中提到，允许民间资本发起成立村镇银行，条件成熟的小额贷款公司可转制成村镇银行。在翁弈峰看来，这就是说民营企业、民营资本可以当主发起人。但这条规定要真正实现依然缺乏许多细则的补充。“要真正允许我们改制的话，首先一个前提就是《村镇银行管理办法》要进行完善和补充，要把民营资本、民营企业发起成立补充进去才行。”
事实上，在当天举行的座谈会中，不少看起来是香饽饽的村镇银行抱怨经营压力不小。比如利率不能浮动、网点有限导致吸收存款的范围也十分有限。有人提议，既然小贷公司现在经营这么好，那还是不转成村镇银行的好。
对于这些实际操作中的困难，翁弈峰有自己的坚持和考虑。除了能够成为名正言顺的银行，突破融资瓶颈外，他还有着更长远的打算：“今后要利率市场化的话，只要风险控制好，这个小贷金融机构也能在县域经济当中能保证好的发展，我做利差可以少赚点。比如现在小额贷款公司，我赚的利差可能是5厘、6厘，转为银行之后可能就少赚点，赚个一厘、两厘，总量100个亿赚个两三个亿肯定没问题。”
按照翁弈峰的设想，转为村镇银行之后，自己的客户群依然是这些真正村镇里的客户，“养鸡的、养鸭的，我们要支持他们，让他们继续能够养下去。”翁弈峰说，只有这样才能保证自己与大银行的竞争力。
当然，包括翁弈峰在内的大部分小贷公司负责人都明白，这么多的小额贷款公司不可能全部转成村镇银行。但就算无法转为银行，能够让现有的小贷公司发展得更好更优，依然是大家对这次金融改革的期待。
“其实真正优质的小额贷款公司，无法转为村镇银行，也要让它继续发展。尤其是现在小额贷款已经成为一种现实，成为地方金融不可或缺的一部分。”翁弈峰说。
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寻找温州和江浙沪参股村镇银行的标的基于18楼部分信息，我觉得温州第二波重点还是在选择控股
（参股）村镇银行，农商行和城商行的上市公司。温州的小盘的 600113 已经表现得淋漓尽致了，下一步是否会是
参股宁波商业银行的 600177 （ 1.79亿股，占8.73%），参股南京银行的 600064 （7.63亿元持有11.23%）这些中盘股呢？值得我们认真研究，深入探讨。
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温州市金融综合改革试验区被各大媒体反复提及，成为了中国经济领域、金融领域中最受瞩目、最受期待的一个焦点。几乎所有的人都认为，今天正在温州所发生的事情必将会对中国金融的改革产生深远的影响。
从基层看改革，从变化看成就，温州小额贷款公司盼望转制成为村镇银行的探讨，或许正是这块土地上即将发生巨大变化的一个缩影。
小贷公司：信贷杠杆作用有限
前不久，在一场由央行、浙江省、温州市政府和温州当地企业共同召开的座谈会上，很多金融企业都借这个机会向到场的央行行长周小川提出建议和要求，在这些发言者里面，瑞安华峰小贷公司董事长翁弈峰的发言引起关注：“小额贷款公司转制成村镇银行的各项优惠政策，希望领导能给我们考虑。”
在国务院发布的温州金融改革方案里，第二条就提及：鼓励和支持民间资金参与地方金融机构改革，依法发起设立或参股村镇银行、贷款公司、农村资金互助社等新型金融组织。符合条件的小额贷款公司可改制为村镇银行。
转制成为村镇银行，关系到的不止是温州的数十家小额贷款公司，更是全国4000多家小贷企业同样关心的问题。
在温州市下辖的瑞安市，记者找到了这家小额贷款公司，见到了董事长翁弈峰。
这是一家典型的小额贷款公司，在三年多的时间里，他们累计发放了近120亿元，上万笔的小额贷款，平均每笔都不到100万元，其中90%多的发放对象是三农。但其中坏账却很少，上百亿的贷款里只有900多万回收情况不好，不良贷款率仅为0.65%。而这家小贷公司的规模也在三年里扩大了好几倍，从最初的注册资本2亿元，发展到了现在8亿元的规模。
尽管小额贷款业务发展得很好，但在翁弈峰的眼中，转制成为村镇银行才是他接下来最想做的事情。
“小额贷款公司存在瓶颈障碍，比如一些政策支持上面，除了人民银行银监会的一个文件，没有看到其他更多法律支持。”翁弈峰说。除了缺乏发展的指导意见，更大的瓶颈制约来自融资比例。
按照规定，小额贷款公司只能拿出资本金的50%用来放贷。“我们现在算是大的，8个亿的注册资本金，从2008年11月28日成立，两个亿，通过2009年、2010年增资，现在8个亿，加上我们现在的净资产有10个亿，融资5个亿，充其量现在也只能做到15个亿左右的贷款总量。”翁弈峰解释说。
如果小贷公司能够转为村镇银行，那么状况就完全不同了。“8个亿的注册资本金，最后总量可以做到100个亿，这相比15个亿，不管是自身的效益，社会的认同度，社会责任的承担都是很有意义的。”作为银行这样的金融机构，最大的作用是放大效应，把一块钱变成十块钱。但小额贷款公司虽然具有信贷的功能，却没有放大的效益，等于是戴着镣铐在跳舞。
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Wenzhou “financial reform” must be a good grasp of the illegal fund raising and private lending limits
“financial reform” the implementation of the program is over the invitation of the country famous argument, by the end of April will be held to mobilize the General Assembly
with the Wenzhou financial reform curtain went up, now we are most concerned about, it may is the next implementation of the program, in the end when the introduction of what will, and the focus would fall on where?
the day before yesterday (the 17th), Wenzhou University and Zhejiang Province, Wenzhou Economic Research Center organized a high-end forum of a financial reform, Wenzhou Finance Office is responsible for, and further depicts the Wenzhou financial reform implementation program “road map”.
In addition, Wenzhou will be to build financial reform Research Institute, Wenzhou “reform” the transmission of high-quality talent.
implementation of the program is being modified and demonstration
The forum is for the Wenzhou “financial reform” brainstorming, and secondly, to discuss the next how to build the Research Institute of Wenzhou City, financial reform.
Wenzhou Municipal Finance Office, Branch Banking and OCI branch of the relevant person in charge, as well as experts and scholars from the Southwest University of Political Science and Xiamen University and other universities have expressed their views.
Wenzhou Financial Affairs Office Zhang Zhenyu spoke first. Zhang Zhenyu the first-mentioned organization, said that basically laid down, Zhejiang and Wenzhou City should set up a “financial reform” leading group. Wenzhou, the leading group, but also set up six working groups, led by the various departments.
another, but also the establishment of several key projects to promote the group, called the project office, “is for real operation.
Zhang Zhenyu, the leading group will set up an expert committee to employ the advice of top experts in international and domestic.
Zhang Zhenyu, also revealed that by the end of April, involving “financial reform” mobilization meeting may be held to consider the specific implementation of the program. “The implementation of the program changes, tomorrow to a few large cities, to some experts, including experts in Beijing, the banks are invited to demonstrate the implementation of the program.”
implementation of the program will highlight five key
Wenzhou financial office development at the relevant person in charge Ke Yuanyuan, followed by further implementation of the program. She is also direct the drafting of one of the participants in the implementation of this program.
the Keyuan Yuan said that the combination of Wenzhou “financial reform” of the 12 tasks, one by one they decompose the refinement to develop the implementation plan will be highlighted five key:
to highlight the improve the small micro-enterprise financial service system. Including promote the conversion of small loan companies eligible for the rural banks to allow qualified natural persons and private enterprises, to initiate or shares of village banks and financial organizations.
to carry out private lending registration service center as well as private capital management company, to broaden the channels of private capital investment. To carry out individual foreign direct investment, but also to make some breakthroughs.
outstanding financial products and services innovation. For example, development, franchise organizations for small and micro enterprises, to encourage banking financial institutions to expand credit funds for SMEs support.
the development of emerging markets. I hope to be able to build the country’s property rights trading market, in addition to equity, property and financial rights transfer, the carbon emissions trading rights also include a comprehensive property rights trading market.
prominent local regulatory system development and local management system, risk prevention. Next, the service center of Wenzhou local financial regulation, intended to changed its name to the local Monetary Authority also introduced to strengthen the institutional management of the local capital operation system.
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