【正文】 ea of prehensive financial reform is set up, following the development of marine economy in Zhejiang demonstration zone, Zhou Shan Islands District, Yiwu international trade prehensive reform pilot won the approval of the State Council, the state gave Zhejiang another support policy. Wenzhou City, the private economy developed, civil funded, private finance is active. Wenzhou development is the existence of two difficult phenomenon, namely folk capital, but investment hard, small and micro businesses, but financing is difficult, cause of nongovernmental debit and credit. At the beginning of twenty tens, part of Wenzhou small and medium enterprises fund chain break and business owners39。 phenomenon, the stability of economy and society to cause certain effect. In 2011 October, Chinese Premier Wen Jiabao in Wenzhou during the study, the Zhejiang provincial government and Wenzhou municipal Party mittee of city hall in Wenzhou are put forward to set up the financial reform testing district idea, want to private finance into the regulation of track, reduce risk, guide the hidden in the underground hundreds of billions of people to achieve the sunshine. Development of prehensive financial reform, cogent solve Wenzhou economy to develop the outstanding problems, guiding civilian financing for development, improve the financial service entity economic ability, not only to the Wenzhou health development, but also on the national financial reform and economic development has important sense of exploration. State Council executive Institute approved the implementation of Zhejiang province Wenzhou City Experimental Area of prehensive financial reform overall program requirements, through institutional innovation, construction and economic and social development to match the diversified financial system, the financial services was significantly improved, guard against and defuse financial risks ability increase apparently, financial environment is optimized apparently, as a national financial reform experience. city prehensive financial reform taskIn March 28, 2012 the State Council executive meeting decided Wenzhou City financial prehensive reform of the twelve major tasks: (a) regulating the development of private financing. Develop standard folk financing management method, establish the folk financing record management system, establish a sound monitoring system of folk financing.(two) to accelerate the development of new types of financial organizations. Encourage and support the private capital participation in local financial institutions reform in accordance with the law or equity, initiated the establishment of village banks, loan panies, rural fund cooperatives and other new types of financial organizations. In line with the conditions of the small loan pany may change for village banks.(three) the development of professional asset management mechanism. Guide civilian capital to establish venture capital panies, equity investment enterprise investment management and related mechanism.(four) carry out research overseas direct investment pilot, explore the establishment of norms and convenient direct investment channels.(five) to deepen the reform of local financial institutions. To encourage stateowned banks and jointstock banks in accordance with the conditions set up a small business credit institutions. Support the Finance Leasing Company and other nonbank financial institutions business. Advance rural cooperative financial institutions shareholding system transformation.(six) innovation and development in the small and micro businesses and 3 farming financial products and services, to explore the establishment of multilevel financial service system. Encourages the Wenzhou area of the banks to increase credit support to small and micro businesses. Support the development of the small and micro businesses and 3 farming the financing lease business. Establish small and micro businesses financing service center.(seven) to nurture the development of local capital market. Compliance in accordance with the law to carry out the shares of the nonlisted pany, technology transfer and cultural property exchange.(eight) the positive development of all types of bonds. Establish and improve the guarantee system of small and micro businesses.(nine) expand the insurance services, innovation and development services to the professional market and industry group insurance products, encourage and support of mercial insurance in the construction of social security system.(ten) strengthen the construction of social credit system. Promoting the government integrity, business integrity, social integrity and judicial construction, promote small and micro businesses and rural credit system construction. Strengthen credit market supervision.(eleven) to improve the local financial management system, to prevent the emergence of regulatory vacuum, guard against systemic risk and regional risk. The establishment of financial industry prehensive statistical system, strengthen monitoring and early warning.(twelve) the establishment of financial prehensive reform risk prevention mechanism. Clear definition of local financial management responsibilities borders, to strengthen and implement the local government for disposal of financial risks and maintain local financial responsibility for the stability .