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主持人的话:2013年11月12日,党的十八届三中全会正式提出“发展普惠金融,鼓励金融创新,丰富金融市场层次和产品”。有效、全方位为社会所有阶层和群体提供服务成为中国金融体系发展的重要目标。早在2006年,浙江省丽水市探索性启动林权抵押贷款业务,开始了解决“三农需求大、融资难,城乡差距大、普惠难”的破冰之举。经过十年的实践,不断创新抵押物种类、创新信贷产品、创新风险防范和补偿机制,完善配套机制,形成了自下而上金融改革的“丽水模式”。本刊记者特别策划专题文章,采访中国人民银行金融研究所祝红梅处长、中国人民银行丽水市中心支行孔祖根行长、龙泉市农村
Moderator: On November 12, 2013, the Third Plenary Session of the 18th CPC Central Committee formally proposed “developing inclusive finance, encouraging financial innovation, and enriching the level of financial markets and products.” Effective and comprehensive service for all sectors and groups in society has become an important goal of the development of China’s financial system. As early as 2006, Lishui City, Zhejiang Province, exploratory forest property right mortgage loan business, began to solve the “three big demand for agriculture and rural areas, financing difficulties, large urban-rural gap, Pratt & Whitney hardship,” the ice move. After ten years of practice, the Bank continued to innovate the types of collateral, innovated credit products, innovated risk prevention and compensation mechanisms, and perfected supporting mechanisms to form the “Lishui Model” for bottom-up financial reforms. Our correspondents specially planned feature articles to interview Zhu Hongmei, Director of Institute of Finance, People’s Bank of China, Governor Kong Zugen, director of Lishui City Central Branch of the People’s Bank of China, and Longquan City Rural