私人借贷或迎来春天

Wenzhou is a city that’s has a total of more than 600 billion Yuan private capital lying idle in hands of local entrepreneurs.
温州是一个当地企业家手中总共拥有6000亿元闲置私人资本的城市。

The lack of investment channel for private capital in the city has resulted in a dramatic increase in high-interest-rate informal lending and subsequent economic devastation.
该市的私人资本缺乏投资渠道导致了高利息率的非正式贷款和随之而来的经济破坏的显著增加。

Many business owners even became fugitives.
许多企业主甚至沦为亡命之徒。

But now, with the city’s first private capital management company officially registered and running on a trial basis, the situation might just be coming to an end.
但是，现在，随着该市首家私人资本管理公司的正式注册和试点运行，这种情况可能会结束。

Huang Yongping, manager of Xintong Folk Capital, said, “Xintong is a test case for legalizing and regulating private lending supported by the government. People who have the money and wanted to invest can come to us, and people who has good projects but lack the fund can come to us too.”
信通民间资本管理公司经理Huang Yongping称：“信通是政府支持民间借贷合法化和管理民间借贷的一个尝试案例。有钱并想投资的人可以来我们这里，有好的项目但缺乏资金的人也可以来我们这里。”

Serving as a link between cash-rich investors and cash-strapped SMEs, the company has a registered capital of 100-million Yuan, and is allowed to collect as much as 400-million Yuan from investors and channel them into profitable projects.
作为现金充足的投资者和现金短缺的中小型企业之间的纽带，该公司注册资本1亿元，允许从投资者那里募集多达4亿元的资金，将它们输送到有利润的项目。

But experts are saying there’s still more to be done to regulate private financing other than setting up financial institutions.
但是专家称，除了成立金融机构，管理私人集资还有更多要做的。

Zhou Dewen, chairman of SME Development Promotion Fed., said, “Legalizing private financing is a must, and further more, the government should set up an administration specialized to manage SMEs nation-wide under the state council, to better allocate resources as a whole.”
中小企业发展促进会会长周德文表示：“将私人集资合法化是必须的，此外，政府必须成立在国务院领导下的管理部门来专门管理全国的中小型企业，更好地从整体上分配资源。”

In a city where nearly 90% of the households are involved in underground lending, regulating private financing seems to be especially tough.
在一个近90%的家庭参与地下借贷的城市里，管理私人集资似乎特别困难。

Yang Xiongwen, director of Economic Info. Commission, said, “Only when the government, private enterprises, banks, and financial institutions working together as a whole, the difficulty in financing can then be solved.”
经济和信息化委员会会长杨雄文Yang Xiongwen表示：“只有当政府、私人企业、银行和金融机构齐心协力时，融资困难才能得到解决。”

The city is also planning to set up registering centers for private financing in the near future, and hoping to transform itself into a pilot zone for financial reform and innovation.
该市还计划在不久的将来成立私人集资的注册中心，希望将其变成一个金融改革和创新的实验区。