【行業資訊】溫州金改實施細則全文公布

中(zhong)證網訊 23日(ri)早(zao)間(jian)，本報記者從(cong)正在舉行的(de)溫(wen)(wen)州市召開(kai)溫(wen)(wen)州金(jin)融綜合改革(ge)試(shi)(shi)驗區實(shi)施(shi)新聞(wen)發布會(hui)上了解到(dao)，《浙江省溫(wen)(wen)州市金(jin)融綜合改革(ge)試(shi)(shi)驗區實(shi)施(shi)方案》(下稱(cheng)“溫(wen)(wen)州金(jin)改實(shi)施(shi)細則”)已經全文公(gong)布。

　　記者拿(na)到(dao)的這份媒體(ti)通報稿顯示，溫州(zhou)金改(gai)實施細則對此前根(gen)據國務(wu)院批準設立溫州(zhou)市金融綜合改(gai)革試驗區(qu)精神和中(zhong)國人民銀行(xing)等9部委印發的《浙江省溫州(zhou)市金融綜合改(gai)革試驗區(qu)總體(ti)方案(an)》(銀發〔2012〕188號(hao))進行(xing)了細化，諸如(ru)“開展(zhan)個(ge)人境外直(zhi)接(jie)投(tou)資試點(dian)”方面，也刪掉了此前“研(yan)究”二字。

　　據悉，溫(wen)(wen)州(zhou)金融(rong)辦(ban)主(zhu)任張(zhang)震宇、溫(wen)(wen)州(zhou)人(ren)民(min)銀(yin)行行長吳國聯、中(zhong)國人(ren)民(min)銀(yin)行溫(wen)(wen)州(zhou)支行合(he)作金融(rong)機構管(guan)理(li)處處長婁振武(wu)，溫(wen)(wen)州(zhou)保監(jian)局(ju)副局(ju)長潘軍五人(ren)出(chu)席了此次發布會。

　　全(quan)文：

　　浙江省溫州市金融綜合改革試驗區實施方案

　　媒體(ti)通報(bao)稿

　　根據國務院(yuan)批(pi)準設立溫州(zhou)(zhou)市金(jin)(jin)融(rong)(rong)(rong)綜合(he)改(gai)革(ge)試(shi)驗區(qu)精神和(he)中(zhong)(zhong)(zhong)國人(ren)民銀行等(deng)9部委印發(fa)(fa)(fa)的(de)(de)(de)(de)《浙(zhe)江(jiang)(jiang)省(sheng)溫州(zhou)(zhou)市金(jin)(jin)融(rong)(rong)(rong)綜合(he)改(gai)革(ge)試(shi)驗區(qu)總(zong)體方案(an)》(銀發(fa)(fa)(fa)〔2012〕188號(hao))，浙(zhe)江(jiang)(jiang)省(sheng)人(ren)民政府近期印發(fa)(fa)(fa)《浙(zhe)江(jiang)(jiang)省(sheng)溫州(zhou)(zhou)市金(jin)(jin)融(rong)(rong)(rong)綜合(he)改(gai)革(ge)試(shi)驗區(qu)實(shi)施方案(an)》。這個方案(an)以(yi)科學發(fa)(fa)(fa)展觀為(wei)(wei)指(zhi)導，緊(jin)緊(jin)圍(wei)繞建(jian)設物(wu)質富裕、精神富有(you)的(de)(de)(de)(de)現(xian)代(dai)化浙(zhe)江(jiang)(jiang)的(de)(de)(de)(de)總(zong)目標(biao)，以(yi)打造“中(zhong)(zhong)(zhong)小企業(ye)金(jin)(jin)融(rong)(rong)(rong)服務中(zhong)(zhong)(zhong)心(xin)”和(he)“民間財富管理中(zhong)(zhong)(zhong)心(xin)”為(wei)(wei)重點(dian)，通過(guo)加強體制機制創新，推進(jin)金(jin)(jin)融(rong)(rong)(rong)綜合(he)改(gai)革(ge)，著力破(po)解溫州(zhou)(zhou)市經濟金(jin)(jin)融(rong)(rong)(rong)發(fa)(fa)(fa)展中(zhong)(zhong)(zhong)存在(zai)的(de)(de)(de)(de)中(zhong)(zhong)(zhong)小企業(ye)多(duo)但融(rong)(rong)(rong)資難、民間資金(jin)(jin)多(duo)但投資難的(de)(de)(de)(de)“兩多(duo)兩難”問題。經過(guo)5年(nian)左右的(de)(de)(de)(de)努力，構建(jian)與(yu)溫州(zhou)(zhou)經濟社會發(fa)(fa)(fa)展相匹配的(de)(de)(de)(de)多(duo)元(yuan)化金(jin)(jin)融(rong)(rong)(rong)體系，使金(jin)(jin)融(rong)(rong)(rong)業(ye)成為(wei)(wei)溫州(zhou)(zhou)市國民經濟的(de)(de)(de)(de)重要支柱產(chan)業(ye)，在(zai)促進(jin)產(chan)業(ye)升級(ji)、經濟轉型中(zhong)(zhong)(zhong)發(fa)(fa)(fa)揮重要作用(yong)。

　　溫州金融綜(zong)合改(gai)(gai)革，堅持(chi)整(zheng)體(ti)設計、系(xi)統推(tui)(tui)進，堅持(chi)創新為要、監(jian)管(guan)先行，堅持(chi)上下聯動(dong)、項(xiang)目運作(zuo)，在金融綜(zong)合改(gai)(gai)革試驗推(tui)(tui)進過程中，要處理(li)好金融改(gai)(gai)革試點與風險監(jian)管(guan)的相互促進關(guan)系(xi)、金融創新與實體(ti)經(jing)濟共(gong)生共(gong)榮的關(guan)系(xi)、政府推(tui)(tui)動(dong)與市(shi)場(chang)機(ji)制有機(ji)結合的關(guan)系(xi)。

　　實施方案的(de)主要內容(rong)：

　　(一)規范發展(zhan)民(min)(min)間(jian)(jian)(jian)融(rong)(rong)資(zi)。研究(jiu)起草溫州市民(min)(min)間(jian)(jian)(jian)融(rong)(rong)資(zi)管理條例，建(jian)立民(min)(min)間(jian)(jian)(jian)融(rong)(rong)資(zi)法律(lv)保(bao)障。探索(suo)建(jian)立民(min)(min)間(jian)(jian)(jian)融(rong)(rong)資(zi)備(bei)案管理制度，引導(dao)融(rong)(rong)資(zi)主體特別是(shi)法人(ren)實體進行民(min)(min)間(jian)(jian)(jian)融(rong)(rong)資(zi)備(bei)案登記(ji)(ji)。開展(zhan)民(min)(min)間(jian)(jian)(jian)借貸服(fu)務(wu)中心(xin)試點，引進一批中介機構入駐，提供(gong)民(min)(min)間(jian)(jian)(jian)借貸登記(ji)(ji)、合約公證、資(zi)產評估登記(ji)(ji)等服(fu)務(wu)，引導(dao)民(min)(min)間(jian)(jian)(jian)融(rong)(rong)資(zi)陽光化、規范化。建(jian)立健(jian)全民(min)(min)間(jian)(jian)(jian)融(rong)(rong)資(zi)監測體系，形(xing)成民(min)(min)間(jian)(jian)(jian)融(rong)(rong)資(zi)綜合利(li)率指數(也稱“溫州指數”)，做好民(min)(min)間(jian)(jian)(jian)融(rong)(rong)資(zi)動態跟蹤和(he)風險預(yu)警。在民(min)(min)間(jian)(jian)(jian)金(jin)融(rong)(rong)領域拓展(zhan)電子(zi)商務(wu)應用(yong)。

　　(二(er))加(jia)快發(fa)(fa)展(zhan)(zhan)(zhan)新(xin)型金(jin)(jin)融(rong)組織。支持民(min)間資金(jin)(jin)參與地方金(jin)(jin)融(rong)機(ji)(ji)構(gou)(gou)(gou)改革，鼓勵民(min)間資金(jin)(jin)根據有(you)關規定發(fa)(fa)起設(she)(she)立或參股村(cun)鎮(zhen)銀(yin)(yin)(yin)行、貸(dai)(dai)(dai)款公(gong)(gong)(gong)司(si)(si)、農(nong)(nong)(nong)村(cun)資金(jin)(jin)互助(zhu)社等(deng)新(xin)型金(jin)(jin)融(rong)組織。制定村(cun)鎮(zhen)銀(yin)(yin)(yin)行發(fa)(fa)展(zhan)(zhan)(zhan)三(san)年行動(dong)計劃(hua)，加(jia)快村(cun)鎮(zhen)銀(yin)(yin)(yin)行及其分支機(ji)(ji)構(gou)(gou)(gou)設(she)(she)立，引導村(cun)鎮(zhen)銀(yin)(yin)(yin)行向鄉鎮(zhen)延伸網點，覆(fu)(fu)蓋各(ge)主要鄉鎮(zhen)。在(zai)銀(yin)(yin)(yin)行業(ye)金(jin)(jin)融(rong)機(ji)(ji)構(gou)(gou)(gou)優先批量主發(fa)(fa)起設(she)(she)立村(cun)鎮(zhen)銀(yin)(yin)(yin)行。推進(jin)貸(dai)(dai)(dai)款公(gong)(gong)(gong)司(si)(si)和(he)農(nong)(nong)(nong)村(cun)資金(jin)(jin)互助(zhu)社試點。爭取(qu)進(jin)一步(bu)確認小(xiao)額(e)(e)(e)貸(dai)(dai)(dai)款公(gong)(gong)(gong)司(si)(si)等(deng)各(ge)類融(rong)資性機(ji)(ji)構(gou)(gou)(gou)的性質。深化(hua)小(xiao)額(e)(e)(e)貸(dai)(dai)(dai)款公(gong)(gong)(gong)司(si)(si)試點，分批公(gong)(gong)(gong)開招投標設(she)(she)立小(xiao)額(e)(e)(e)貸(dai)(dai)(dai)款公(gong)(gong)(gong)司(si)(si)，實現(xian)中心鎮(zhen)和(he)功能區全(quan)覆(fu)(fu)蓋。試點部分符合(he)條件的小(xiao)額(e)(e)(e)貸(dai)(dai)(dai)款公(gong)(gong)(gong)司(si)(si)按規定改制為(wei)村(cun)鎮(zhen)銀(yin)(yin)(yin)行。探(tan)索小(xiao)額(e)(e)(e)貸(dai)(dai)(dai)款公(gong)(gong)(gong)司(si)(si)發(fa)(fa)行中小(xiao)企業(ye)私募(mu)債。積極推動(dong)專業(ye)合(he)作(zuo)、供銷(xiao)合(he)作(zuo)、信用(yong)合(he)作(zuo)“三(san)位一體”的新(xin)型農(nong)(nong)(nong)村(cun)合(he)作(zuo)平臺(tai)建設(she)(she)，積極開展(zhan)(zhan)(zhan)農(nong)(nong)(nong)村(cun)資金(jin)(jin)互助(zhu)會、農(nong)(nong)(nong)村(cun)保(bao)險(xian)互助(zhu)社等(deng)試點。鼓勵發(fa)(fa)展(zhan)(zhan)(zhan)商業(ye)保(bao)理機(ji)(ji)構(gou)(gou)(gou)，穩妥發(fa)(fa)展(zhan)(zhan)(zhan)民(min)營第(di)三(san)方支付機(ji)(ji)構(gou)(gou)(gou)。支持民(min)營融(rong)資性擔保(bao)公(gong)(gong)(gong)司(si)(si)發(fa)(fa)展(zhan)(zhan)(zhan)。建立完(wan)善(shan)農(nong)(nong)(nong)信擔保(bao)服務體系(xi)，鼓勵和(he)支持國(guo)有(you)資本、民(min)營資本興辦為(wei)“三(san)農(nong)(nong)(nong)”服務的擔保(bao)機(ji)(ji)構(gou)(gou)(gou)，實現(xian)農(nong)(nong)(nong)信擔保(bao)服務全(quan)覆(fu)(fu)蓋。

　　(三)大力(li)發展專業(ye)資(zi)(zi)產(chan)(chan)(chan)管(guan)(guan)理(li)機(ji)構。積極鼓勵依法(fa)合規設立創業(ye)投(tou)資(zi)(zi)、股權投(tou)資(zi)(zi)企業(ye)，大力(li)培育專業(ye)資(zi)(zi)產(chan)(chan)(chan)管(guan)(guan)理(li)和投(tou)資(zi)(zi)管(guan)(guan)理(li)機(ji)構；設立創業(ye)投(tou)資(zi)(zi)引(yin)導(dao)基金(jin)，組建若干(gan)產(chan)(chan)(chan)業(ye)投(tou)資(zi)(zi)基金(jin)，采取集(ji)約化、專業(ye)化管(guan)(guan)理(li)方式(shi)，鼓勵和引(yin)導(dao)民間資(zi)(zi)金(jin)通(tong)過股權、債權等投(tou)資(zi)(zi)方式(shi)有序(xu)進(jin)入基礎產(chan)(chan)(chan)業(ye)和基礎設施(shi)領域、市政(zheng)公用事(shi)業(1501.730,9.26,0.62%)和政策性(xing)住房(fang)建(jian)設(she)(she)領域、社(she)會事(shi)業領域等(deng)(deng)實(shi)體經濟(ji)領域。制定優惠政策，吸(xi)引國內外資(zi)(zi)(zi)產管(guan)理(li)(li)機(ji)構落戶溫州。推(tui)動專業化民間小額資(zi)(zi)(zi)金(jin)管(guan)理(li)(li)機(ji)構發展，積極開展民間資(zi)(zi)(zi)本(ben)管(guan)理(li)(li)公(gong)司(si)(si)試點，2013年末實(shi)現縣(市、區(qu))全(quan)覆蓋。擴大民間資(zi)(zi)(zi)金(jin)投(tou)資(zi)(zi)(zi)領域，探索通過資(zi)(zi)(zi)產證券化、資(zi)(zi)(zi)產支持票(piao)據(ju)、定向募集等(deng)(deng)方式多(duo)元(yuan)化解決重大建(jian)設(she)(she)項目(mu)的資(zi)(zi)(zi)金(jin)需求，形成信(xin)托公(gong)司(si)(si)、證券公(gong)司(si)(si)、投(tou)資(zi)(zi)(zi)基金(jin)等(deng)(deng)多(duo)元(yuan)金(jin)融機(ji)構參(can)與(yu)基礎建(jian)設(she)(she)融資(zi)(zi)(zi)的局面(mian)。

　　(四)開(kai)展個(ge)(ge)人(ren)境(jing)(jing)外(wai)直接(jie)投(tou)(tou)資試點。在(zai)國務(wu)院統一部署領導(dao)(dao)下，探索以人(ren)民幣開(kai)展個(ge)(ge)人(ren)境(jing)(jing)外(wai)直接(jie)投(tou)(tou)資。建立政府主(zhu)導(dao)(dao)、市場(chang)運作的個(ge)(ge)人(ren)境(jing)(jing)外(wai)直接(jie)投(tou)(tou)資服務(wu)體系和規范便捷、有序可控的個(ge)(ge)人(ren)境(jing)(jing)外(wai)直接(jie)投(tou)(tou)資監管(guan)體系，制訂溫州(zhou)市個(ge)(ge)人(ren)境(jing)(jing)外(wai)直接(jie)投(tou)(tou)資管(guan)理辦法及實施(shi)細則，健全境(jing)(jing)外(wai)糾紛(fen)與突發事件(jian)處置(zhi)應(ying)急機(ji)制，加強(qiang)信息(xi)與咨詢服務(wu)，落實各項便利舉措，推(tui)動個(ge)(ge)人(ren)境(jing)(jing)外(wai)直接(jie)投(tou)(tou)資穩步發展。同時(shi)，鼓(gu)勵對(dui)外(wai)投(tou)(tou)資主(zhu)體多元化，帶動民間(jian)資本在(zai)更廣泛領域(yu)內參與國際競爭(zheng)與合作，促進開(kai)放型(xing)經濟轉型(xing)升級。

　　(五)深化(hua)地方金(jin)融(rong)機(ji)(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)(gou)改(gai)革(ge)發展。推(tui)動(dong)設(she)立(li)(li)各類小(xiao)企業(ye)信(xin)貸(dai)專(zhuan)營機(ji)(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)(gou)，鼓勵銀(yin)行(xing)業(ye)金(jin)融(rong)機(ji)(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)(gou)設(she)立(li)(li)法(fa)人小(xiao)企業(ye)信(xin)貸(dai)專(zhuan)營機(ji)(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)(gou)。支(zhi)(zhi)持(chi)(chi)農村(cun)(cun)合(he)作(zuo)(zuo)(zuo)金(jin)融(rong)機(ji)(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)(gou)設(she)立(li)(li)100萬元以(yi)下的小(xiao)額農貸(dai)或微貸(dai)中心(xin)(xin)等(deng)專(zhuan)營機(ji)(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)(gou)。推(tui)動(dong)溫州(zhou)(zhou)銀(yin)行(xing)引進戰略(lve)投(tou)資者、增資擴股(gu)、上市融(rong)資。爭取在溫州(zhou)(zhou)設(she)立(li)(li)財務公司(si)(si)、金(jin)融(rong)租(zu)賃公司(si)(si)、信(xin)托公司(si)(si)、消費金(jin)融(rong)公司(si)(si)等(deng)非(fei)銀(yin)行(xing)金(jin)融(rong)機(ji)(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)(gou)。爭取引進1家以(yi)上優(you)質外資銀(yin)行(xing)分(fen)支(zhi)(zhi)機(ji)(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)(gou)。加快農村(cun)(cun)合(he)作(zuo)(zuo)(zuo)金(jin)融(rong)機(ji)(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)(gou)股(gu)份制改(gai)革(ge)步伐，強化(hua)政策扶持(chi)(chi)，鼓勵優(you)質民(min)營企業(ye)參(can)與農村(cun)(cun)合(he)作(zuo)(zuo)(zuo)金(jin)融(rong)機(ji)(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)(gou)的增資擴股(gu)，推(tui)動(dong)農村(cun)(cun)合(he)作(zuo)(zuo)(zuo)金(jin)融(rong)機(ji)(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)(gou)下沉服務重心(xin)(xin)，支(zhi)(zhi)持(chi)(chi)符合(he)條(tiao)件的農村(cun)(cun)商業(ye)銀(yin)行(xing)按規定跨區域設(she)立(li)(li)分(fen)支(zhi)(zhi)機(ji)(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)(gou)，引導(dao)和(he)支(zhi)(zhi)持(chi)(chi)農村(cun)(cun)合(he)作(zuo)(zuo)(zuo)金(jin)融(rong)機(ji)(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)(gou)提升服務的專(zhuan)業(ye)化(hua)水平(ping)。支(zhi)(zhi)持(chi)(chi)民(min)營資本進入證券(quan)(quan)、投(tou)資咨詢等(deng)領(ling)域，爭取在溫州(zhou)(zhou)設(she)立(li)(li)證券(quan)(quan)公司(si)(si)，支(zhi)(zhi)持(chi)(chi)更多(duo)的證券(quan)(quan)、基(ji)金(jin)、期貨公司(si)(si)到溫州(zhou)(zhou)設(she)立(li)(li)分(fen)支(zhi)(zhi)機(ji)(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)(gou)。鼓勵地方金(jin)融(rong)機(ji)(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)(gou)以(yi)控股(gu)、參(can)股(gu)的方式(shi)探索綜合(he)經營。

　　(六)創新發(fa)(fa)展(zhan)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)產(chan)品(pin)與服(fu)(fu)(fu)務(wu)。探索(suo)(suo)建立地(di)方金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)組織風(feng)(feng)險準備金(jin)(jin)(jin)，進一步發(fa)(fa)揮(hui)銀行、證券(quan)、保(bao)(bao)險等金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構在(zai)小微企(qi)(qi)業(ye)(ye)(ye)(ye)融(rong)(rong)(rong)(rong)資(zi)(zi)方面(mian)的主渠(qu)道作用(yong)。在(zai)風(feng)(feng)險可控(kong)前提(ti)下(xia)，推動金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)產(chan)品(pin)和(he)(he)服(fu)(fu)(fu)務(wu)創新，探索(suo)(suo)建立適合小微企(qi)(qi)業(ye)(ye)(ye)(ye)和(he)(he)“三農(nong)(nong)(nong)(nong)”需求(qiu)特點(dian)的多層次金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)服(fu)(fu)(fu)務(wu)體(ti)系。提(ti)高金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構信(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)效(xiao)(xiao)率(lv)，鼓勵(li)和(he)(he)引導銀行業(ye)(ye)(ye)(ye)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構加(jia)大對小微企(qi)(qi)業(ye)(ye)(ye)(ye)和(he)(he)“三農(nong)(nong)(nong)(nong)”的信(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)支(zhi)(zhi)持(chi)，在(zai)授(shou)權(quan)(quan)授(shou)信(xin)(xin)(xin)(xin)(xin)(xin)、績效(xiao)(xiao)考核、不良貸(dai)(dai)款(kuan)(kuan)(kuan)(kuan)容忍度等方面(mian)給(gei)予政策傾斜。積極(ji)發(fa)(fa)展(zhan)科技貸(dai)(dai)款(kuan)(kuan)(kuan)(kuan)、小額擔(dan)(dan)保(bao)(bao)貸(dai)(dai)款(kuan)(kuan)(kuan)(kuan)、經(jing)營權(quan)(quan)質押(ya)(ya)貸(dai)(dai)款(kuan)(kuan)(kuan)(kuan)、股權(quan)(quan)質押(ya)(ya)貸(dai)(dai)款(kuan)(kuan)(kuan)(kuan)、知識產(chan)權(quan)(quan)質押(ya)(ya)貸(dai)(dai)款(kuan)(kuan)(kuan)(kuan)、林權(quan)(quan)抵(di)押(ya)(ya)貸(dai)(dai)款(kuan)(kuan)(kuan)(kuan)、海域使用(yong)權(quan)(quan)抵(di)押(ya)(ya)貸(dai)(dai)款(kuan)(kuan)(kuan)(kuan)等支(zhi)(zhi)農(nong)(nong)(nong)(nong)支(zhi)(zhi)小信(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)業(ye)(ye)(ye)(ye)務(wu)。積極(ji)探索(suo)(suo)試點(dian)排污(wu)權(quan)(quan)抵(di)押(ya)(ya)貸(dai)(dai)款(kuan)(kuan)(kuan)(kuan)、農(nong)(nong)(nong)(nong)房抵(di)押(ya)(ya)貸(dai)(dai)款(kuan)(kuan)(kuan)(kuan)、土(tu)地(di)承包經(jing)營權(quan)(quan)抵(di)押(ya)(ya)貸(dai)(dai)款(kuan)(kuan)(kuan)(kuan)、農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)設施及(ji)農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)機(ji)械抵(di)押(ya)(ya)貸(dai)(dai)款(kuan)(kuan)(kuan)(kuan)。積極(ji)爭取信(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)資(zi)(zi)產(chan)證券(quan)化試點(dian)。支(zhi)(zhi)持(chi)銀行與保(bao)(bao)險機(ji)構加(jia)強(qiang)(qiang)合作，開展(zhan)小額貸(dai)(dai)款(kuan)(kuan)(kuan)(kuan)保(bao)(bao)證保(bao)(bao)險和(he)(he)信(xin)(xin)(xin)(xin)(xin)(xin)用(yong)保(bao)(bao)險，探索(suo)(suo)商業(ye)(ye)(ye)(ye)保(bao)(bao)險參與小微企(qi)(qi)業(ye)(ye)(ye)(ye)融(rong)(rong)(rong)(rong)資(zi)(zi)再擔(dan)(dan)保(bao)(bao)機(ji)制。支(zhi)(zhi)持(chi)銀行與融(rong)(rong)(rong)(rong)資(zi)(zi)性(xing)擔(dan)(dan)保(bao)(bao)公司加(jia)強(qiang)(qiang)合作，創新小微企(qi)(qi)業(ye)(ye)(ye)(ye)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)產(chan)品(pin)，建立風(feng)(feng)險分擔(dan)(dan)機(ji)制。發(fa)(fa)展(zhan)面(mian)向小微企(qi)(qi)業(ye)(ye)(ye)(ye)和(he)(he)“三農(nong)(nong)(nong)(nong)”的融(rong)(rong)(rong)(rong)資(zi)(zi)租賃業(ye)(ye)(ye)(ye)務(wu)。鼓勵(li)開展(zhan)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)服(fu)(fu)(fu)務(wu)外包等新興經(jing)營業(ye)(ye)(ye)(ye)務(wu)。組建小微企(qi)(qi)業(ye)(ye)(ye)(ye)融(rong)(rong)(rong)(rong)資(zi)(zi)綜合服(fu)(fu)(fu)務(wu)中心，集聚銀行、擔(dan)(dan)保(bao)(bao)、會(hui)計(ji)、法律(lv)、評估、咨(zi)(zi)詢(xun)、協會(hui)等機(ji)構，提(ti)供(gong)信(xin)(xin)(xin)(xin)(xin)(xin)用(yong)調查、資(zi)(zi)產(chan)評估、法律(lv)咨(zi)(zi)詢(xun)等服(fu)(fu)(fu)務(wu)。

　　(七)培(pei)育發展地(di)方資本市(shi)(shi)場(chang)。按照(zhao)《國務院關(guan)于(yu)清理整頓(dun)各類(lei)交易所切實防范金融(rong)風險的(de)(de)決定》(國發﹝2011﹞38號)的(de)(de)有關(guan)規定，進一步(bu)規范產(chan)(chan)(chan)(chan)權(quan)(quan)交易市(shi)(shi)場(chang)。抓(zhua)住(zhu)大力推(tui)進國家(jia)(jia)知識產(chan)(chan)(chan)(chan)權(quan)(quan)示范城(cheng)市(shi)(shi)、全(quan)國知識產(chan)(chan)(chan)(chan)權(quan)(quan)質押(ya)融(rong)資試(shi)點城(cheng)市(shi)(shi)、全(quan)國科技與金融(rong)結合(he)試(shi)點地(di)區建設的(de)(de)機(ji)遇，積極(ji)(ji)開(kai)(kai)展產(chan)(chan)(chan)(chan)權(quan)(quan)交易市(shi)(shi)場(chang)試(shi)點，建立(li)知識產(chan)(chan)(chan)(chan)權(quan)(quan)、企(qi)業產(chan)(chan)(chan)(chan)權(quan)(quan)、金融(rong)資產(chan)(chan)(chan)(chan)、排污(wu)權(quan)(quan)、水權(quan)(quan)、碳排放權(quan)(quan)、低碳技術、農村土地(di)承(cheng)包(bao)權(quan)(quan)、林權(quan)(quan)等產(chan)(chan)(chan)(chan)權(quan)(quan)交易市(shi)(shi)場(chang)，依法(fa)合(he)規開(kai)(kai)展非(fei)上(shang)市(shi)(shi)公(gong)司股份轉(zhuan)讓試(shi)點，探索(suo)開(kai)(kai)展中小企(qi)業私募債轉(zhuan)讓試(shi)點，努力把(ba)溫(wen)(wen)(wen)州(zhou)(zhou)打(da)造成為全(quan)國較(jiao)大的(de)(de)綜合(he)性各類(lei)產(chan)(chan)(chan)(chan)權(quan)(quan)交易和非(fei)上(shang)市(shi)(shi)公(gong)司股份轉(zhuan)讓的(de)(de)平(ping)臺(tai)。積極(ji)(ji)推(tui)動企(qi)業多(duo)渠(qu)道上(shang)市(shi)(shi)，確保2015年底上(shang)市(shi)(shi)公(gong)司總(zong)數超過(guo)30家(jia)(jia)，上(shang)市(shi)(shi)后備企(qi)業50家(jia)(jia)以上(shang)，逐(zhu)步(bu)形(xing)成資本市(shi)(shi)場(chang)的(de)(de)“溫(wen)(wen)(wen)州(zhou)(zhou)板塊”。支持更多(duo)的(de)(de)證(zheng)券(quan)期貨經營機(ji)構到(dao)溫(wen)(wen)(wen)州(zhou)(zhou)設立(li)分公(gong)司和營業部。

　　(八)積(ji)(ji)極(ji)發(fa)(fa)(fa)展各類(lei)(lei)債(zhai)(zhai)(zhai)券(quan)產(chan)品(pin)。積(ji)(ji)極(ji)發(fa)(fa)(fa)展各種類(lei)(lei)型和(he)各種信用等級的(de)債(zhai)(zhai)(zhai)券(quan)產(chan)品(pin)。做好企(qi)(qi)(qi)業、政府融(rong)(rong)(rong)資(zi)(zi)(zi)平(ping)臺和(he)項目篩選(xuan)以及工作對接(jie)，培育多層次發(fa)(fa)(fa)債(zhai)(zhai)(zhai)主體(ti)。以“區域集(ji)優”等方式推動更多企(qi)(qi)(qi)業尤其是小微企(qi)(qi)(qi)業利用債(zhai)(zhai)(zhai)券(quan)市場融(rong)(rong)(rong)資(zi)(zi)(zi)；以地(di)方政府債(zhai)(zhai)(zhai)務率作為控(kong)制(zhi)指標，探索符合條(tiao)件(jian)的(de)地(di)方融(rong)(rong)(rong)資(zi)(zi)(zi)平(ping)臺發(fa)(fa)(fa)行私(si)募債(zhai)(zhai)(zhai)券(quan)；以自身收益覆蓋本息一定倍數為條(tiao)件(jian)，鼓勵經(jing)營新項目發(fa)(fa)(fa)行資(zi)(zi)(zi)產(chan)支持票(piao)據(ju)或(huo)直接(jie)發(fa)(fa)(fa)行債(zhai)(zhai)(zhai)券(quan)融(rong)(rong)(rong)資(zi)(zi)(zi)，提(ti)高直接(jie)融(rong)(rong)(rong)資(zi)(zi)(zi)比重。積(ji)(ji)極(ji)爭(zheng)取(qu)地(di)方政府自行發(fa)(fa)(fa)債(zhai)(zhai)(zhai)試(shi)(shi)點，擴大企(qi)(qi)(qi)業債(zhai)(zhai)(zhai)、公司(si)債(zhai)(zhai)(zhai)、金融(rong)(rong)(rong)債(zhai)(zhai)(zhai)、短期融(rong)(rong)(rong)資(zi)(zi)(zi)券(quan)、中(zhong)期票(piao)據(ju)、中(zhong)小企(qi)(qi)(qi)業集(ji)合票(piao)據(ju)(債(zhai)(zhai)(zhai)券(quan))、資(zi)(zi)(zi)產(chan)支持票(piao)據(ju)等各類(lei)(lei)債(zhai)(zhai)(zhai)券(quan)產(chan)品(pin)的(de)發(fa)(fa)(fa)行規模(mo)，爭(zheng)取(qu)年度(du)發(fa)(fa)(fa)債(zhai)(zhai)(zhai)80億元以上。積(ji)(ji)極(ji)爭(zheng)取(qu)高收益票(piao)據(ju)等創(chuang)新產(chan)品(pin)在(zai)溫(wen)州先(xian)行先(xian)試(shi)(shi)。建(jian)立健全小微企(qi)(qi)(qi)業再擔保體(ti)系和(he)再擔保機構的(de)風險控(kong)制(zhi)機制(zhi)，提(ti)供(gong)增信服務。

　　(九(jiu))拓寬保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)服(fu)(fu)務領域(yu)。充分發(fa)(fa)(fa)揮保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)功能作用，初(chu)步建(jian)成適合溫(wen)州經濟(ji)和(he)試驗(yan)區要(yao)求的(de)(de)(de)特(te)色保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)產(chan)品(pin)和(he)服(fu)(fu)務體(ti)系，促進溫(wen)州經濟(ji)轉(zhuan)型發(fa)(fa)(fa)展(zhan)和(he)社會和(he)諧穩定。大力培育保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)市(shi)場(chang)(chang)，支持符(fu)合條件(jian)的(de)(de)(de)民(min)營資(zi)(zi)本發(fa)(fa)(fa)起設立(li)區域(yu)性、專(zhuan)業(ye)(ye)(ye)(ye)性保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)，或參(can)股保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)機(ji)構(gou)，建(jian)立(li)健(jian)全市(shi)場(chang)(chang)準入退(tui)出機(ji)制(zhi)。探索(suo)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)資(zi)(zi)金(jin)服(fu)(fu)務實體(ti)經濟(ji)的(de)(de)(de)新(xin)模式、新(xin)路徑(jing)，引(yin)導保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)資(zi)(zi)金(jin)投資(zi)(zi)溫(wen)州基(ji)(ji)礎設施(shi)建(jian)設項目、參(can)與溫(wen)州產(chan)業(ye)(ye)(ye)(ye)投資(zi)(zi)基(ji)(ji)金(jin)、保(bao)(bao)(bao)(bao)(bao)障性住(zhu)房、養(yang)老(lao)(lao)產(chan)業(ye)(ye)(ye)(ye)、醫(yi)(yi)療產(chan)業(ye)(ye)(ye)(ye)等重要(yao)領域(yu)。創新(xin)發(fa)(fa)(fa)展(zhan)服(fu)(fu)務于(yu)小微企業(ye)(ye)(ye)(ye)、專(zhuan)業(ye)(ye)(ye)(ye)市(shi)場(chang)(chang)、產(chan)業(ye)(ye)(ye)(ye)集(ji)群和(he)“三農(nong)(nong)”的(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)產(chan)品(pin)，不斷擴大保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)覆蓋(gai)面，探索(suo)研究巨災保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)制(zhi)度，在服(fu)(fu)務地方(fang)實體(ti)經濟(ji)發(fa)(fa)(fa)展(zhan)方(fang)面實現新(xin)突(tu)破。加(jia)(jia)快發(fa)(fa)(fa)展(zhan)涉農(nong)(nong)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)業(ye)(ye)(ye)(ye)務，鼓勵農(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)與農(nong)(nong)村信貸相結合，建(jian)立(li)健(jian)全政策(ce)性農(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)工作長效機(ji)制(zhi)。加(jia)(jia)快發(fa)(fa)(fa)展(zhan)與公(gong)眾(zhong)利(li)益密切相關的(de)(de)(de)產(chan)品(pin)質量責(ze)任、環境污染責(ze)任、公(gong)共安全責(ze)任、安全生產(chan)責(ze)任等責(ze)任保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)。探索(suo)發(fa)(fa)(fa)展(zhan)信用違(wei)約保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)。鼓勵和(he)支持商業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)參(can)與城鄉居(ju)民(min)大病醫(yi)(yi)療保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)建(jian)設，積極(ji)發(fa)(fa)(fa)展(zhan)商業(ye)(ye)(ye)(ye)養(yang)老(lao)(lao)健(jian)康保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，拓展(zhan)企業(ye)(ye)(ye)(ye)年(nian)金(jin)，大力開發(fa)(fa)(fa)各種(zhong)補充醫(yi)(yi)療、疾病保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)和(he)失(shi)能收入損(sun)失(shi)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)等產(chan)品(pin)。

　　(十)加強(qiang)社(she)會信(xin)(xin)(xin)(xin)(xin)(xin)用體系(xi)建(jian)設(she)。制訂加強(qiang)社(she)會信(xin)(xin)(xin)(xin)(xin)(xin)用體系(xi)建(jian)設(she)的(de)(de)意見，積(ji)極推(tui)動(dong)金融、行(xing)政(zheng)、社(she)會、市場(chang)、會計等領(ling)域信(xin)(xin)(xin)(xin)(xin)(xin)用數據的(de)(de)征(zheng)集、交換和(he)應(ying)用。大力(li)(li)推(tui)進政(zheng)務誠信(xin)(xin)(xin)(xin)(xin)(xin)、商務誠信(xin)(xin)(xin)(xin)(xin)(xin)、社(she)會誠信(xin)(xin)(xin)(xin)(xin)(xin)和(he)司法(fa)公信(xin)(xin)(xin)(xin)(xin)(xin)建(jian)設(she)，建(jian)立(li)健(jian)全覆蓋全社(she)會的(de)(de)征(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)體系(xi)，加大對(dui)失(shi)信(xin)(xin)(xin)(xin)(xin)(xin)行(xing)為的(de)(de)懲戒力(li)(li)度。整(zheng)合信(xin)(xin)(xin)(xin)(xin)(xin)息(xi)資源，推(tui)動(dong)中小企業和(he)農村信(xin)(xin)(xin)(xin)(xin)(xin)用體系(xi)建(jian)設(she)。加強(qiang)信(xin)(xin)(xin)(xin)(xin)(xin)用信(xin)(xin)(xin)(xin)(xin)(xin)息(xi)的(de)(de)公開和(he)共享，推(tui)動(dong)信(xin)(xin)(xin)(xin)(xin)(xin)用服務產(chan)品(pin)的(de)(de)應(ying)用。完善信(xin)(xin)(xin)(xin)(xin)(xin)用服務市場(chang)，規范發展信(xin)(xin)(xin)(xin)(xin)(xin)用評級機構。加強(qiang)信(xin)(xin)(xin)(xin)(xin)(xin)用市場(chang)監管，改(gai)善地方信(xin)(xin)(xin)(xin)(xin)(xin)用環境，將信(xin)(xin)(xin)(xin)(xin)(xin)用環境納(na)入(ru)地方政(zheng)府政(zheng)績(ji)考核范圍(wei)。

　　(十(shi)一)強(qiang)化地方(fang)(fang)金(jin)融(rong)管(guan)(guan)理機制。加(jia)強(qiang)金(jin)融(rong)監管(guan)(guan)和(he)管(guan)(guan)理部門的溝通協(xie)作，增(zeng)強(qiang)監管(guan)(guan)合力。溫州市地方(fang)(fang)金(jin)融(rong)管(guan)(guan)理局(ju)要加(jia)強(qiang)對創(chuang)新(xin)(xin)類地方(fang)(fang)金(jin)融(rong)組織(zhi)的管(guan)(guan)理，推進地方(fang)(fang)金(jin)融(rong)管(guan)(guan)理制度創(chuang)新(xin)(xin)，明晰(xi)管(guan)(guan)理邊界，明確管(guan)(guan)理責任。制訂出臺地方(fang)(fang)金(jin)融(rong)監管(guan)(guan)工作實(shi)施意見，加(jia)強(qiang)對小額貸(dai)款公司(si)(si)(si)、融(rong)資性擔(dan)保公司(si)(si)(si)、典當行(xing)、寄售(shou)行(xing)、調劑行(xing)、股權(quan)投資公司(si)(si)(si)、民間(jian)資本管(guan)(guan)理公司(si)(si)(si)、民間(jian)借貸(dai)服(fu)務(wu)中心、投資類機構(gou)以(yi)及網絡貸(dai)款服(fu)務(wu)機構(gou)等市場主體(ti)的管(guan)(guan)理。建立健全金(jin)融(rong)業綜合統計和(he)分析(xi)制度，加(jia)強(qiang)非(fei)現場監管(guan)(guan)信息系統建設，逐步將上述市場主體(ti)納入監測范圍，強(qiang)化監測預警，及時提示風險。

　　(十二)建立金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)綜(zong)合(he)改革風(feng)(feng)險(xian)防(fang)范(fan)機(ji)制。按照(zhao)“權責(ze)(ze)對等”的(de)原則，強(qiang)化和(he)落實(shi)地方(fang)政府(fu)處(chu)(chu)置(zhi)地方(fang)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)風(feng)(feng)險(xian)和(he)維護地方(fang)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)穩定的(de)責(ze)(ze)任(ren)。完善(shan)溫(wen)州(zhou)市金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)突發公共事件應急預案(an)，健(jian)全地方(fang)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)風(feng)(feng)險(xian)預警(jing)體(ti)系(xi)和(he)處(chu)(chu)置(zhi)體(ti)系(xi)。進(jin)一(yi)步加(jia)強(qiang)和(he)改進(jin)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)犯罪偵(zhen)查工作(zuo)，建立民(min)間金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)大案(an)要(yao)案(an)督辦制度，加(jia)強(qiang)民(min)間借貸(dai)風(feng)(feng)險(xian)提示，嚴(yan)厲打(da)擊(ji)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)傳(chuan)銷、非(fei)法集資(zi)、地下錢莊、洗錢等非(fei)法金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)活動(dong)，防(fang)止民(min)間借貸(dai)轉變為(wei)高利貸(dai)、非(fei)法集資(zi)等違(wei)法行(xing)為(wei)。充分發揮溫(wen)州(zhou)市金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)犯罪偵(zhen)查支隊(dui)在(zai)打(da)擊(ji)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)領域犯罪和(he)防(fang)范(fan)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)風(feng)(feng)險(xian)方(fang)面的(de)作(zuo)用，有效發揮金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)仲裁院(yuan)、金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)法院(yuan)的(de)司法保障功(gong)能，規范(fan)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)行(xing)為(wei)，化解金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)糾紛。

　　浙江(jiang)省(sheng)(sheng)政府要(yao)求加強(qiang)組織領(ling)導，切實推進溫州(zhou)(zhou)金融綜(zong)合改革(ge)試(shi)驗的(de)實施(shi)工作(zuo)。積(ji)極(ji)爭取(qu)(qu)國家(jia)相(xiang)(xiang)關(guan)(guan)部(bu)委支持(chi)，實現改革(ge)試(shi)點工作(zuo)部(bu)、省(sheng)(sheng)、市(shi)(shi)聯(lian)動，定(ding)期(qi)會商(shang)研究(jiu)改革(ge)過程(cheng)中出現的(de)新(xin)情(qing)況和新(xin)問題，協調推進相(xiang)(xiang)關(guan)(guan)改革(ge)試(shi)驗工作(zuo)。設立溫州(zhou)(zhou)金融改革(ge)專家(jia)委員會。省(sheng)(sheng)級(ji)各有關(guan)(guan)部(bu)門要(yao)積(ji)極(ji)爭取(qu)(qu)國家(jia)下放相(xiang)(xiang)關(guan)(guan)審(shen)(shen)批權限，在機構設立審(shen)(shen)批及項目報批過程(cheng)中給予支持(chi)。溫州(zhou)(zhou)市(shi)(shi)各縣(市(shi)(shi)、區(qu))政府、市(shi)(shi)級(ji)相(xiang)(xiang)關(guan)(guan)部(bu)門要(yao)將(jiang)試(shi)點工作(zuo)納(na)入年度重要(yao)工作(zuo)責任目標，完善相(xiang)(xiang)關(guan)(guan)配(pei)套政策，強(qiang)化(hua)協調措施(shi)。營造良好的(de)輿論氛圍。制(zhi)訂相(xiang)(xiang)應的(de)財政、稅(shui)收等(deng)支持(chi)政策和配(pei)套措施(shi)。強(qiang)化(hua)人才(cai)支撐。研究(jiu)成(cheng)立溫州(zhou)(zhou)金融研究(jiu)院(yuan)。加大(da)硬(ying)件設施(shi)投入，大(da)力推進金融集聚(ju)區(qu)總部(bu)大(da)樓建設。