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For three years,Weng Yifeng,President of Rui'an Huafeng Micro-Credit Co.Ltd.in Wenzhou,has dreamed of transforming his small micro-credit company worth 1 billion yuan($157.98 million)into an established bank.In 2008,Weng and several partners set up Rui'an with a registered capital of 200 million yuan($31 million).Limited to granting credit,the company was strictly prohibited from taking deposits,a standard practice at most banks.