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温州传统制造业回报率下降,逐步失去竞争力,产业空心化,资金投机矿产和地产失败是温州民间借贷危机发生的根本原因;企业联保和互保增强了民间借贷危机的传染性。温州需要解决的核心问题是如何提升金融体系服务实体经济的能力,以及如何解决民间资金投资难问题。本文提出以下建议:一是提升温州经济的现代化水平,促进温州经济与现代化金融市场的融合;二是建设区域性资本市场,服务中小微企业;三是积极稳妥地发展证券、基金、期货等各类金融机构,更好地服务投资主体和融资主体;四是积极研究探索和试点市政债、资产证券化、优先股等产品,满足市场主体的投融资需求;五是加强金融监管,防范区域内系统性风险。
The return rate of traditional manufacturing in Wenzhou has been declining, the competitiveness has been gradually lost, the industry has become hollow, and the speculative mineral and real estate failures have been the root causes of the private lending crisis in Wenzhou. The corporate guarantee and mutual insurance have enhanced the contagion of the private lending crisis. The key issue to be solved in Wenzhou is how to improve the ability of the financial system to serve the real economy and how to solve the difficult problem of private capital investment. This paper puts forward the following suggestions: First, to enhance the level of Wenzhou’s economic modernization and promote the integration of Wenzhou’s economy and modern financial markets; second, to build a regional capital market to serve SMEs; and third, to actively and steadily develop securities, funds and futures Financial institutions to better serve the main investors and financing entities; Fourth, actively explore and explore municipal bonds, asset securitization, preferred stock and other products to meet the market’s investment and financing needs; Fifth, strengthen financial supervision and prevention of the region Systemic risk