自2011年9月温州金融风波发生以来,经过三年的演变,在民间融资风险渐趋消退之后,银行体系内不良资产处于集中爆发凸现时期。但温州地方法人金融机构由于扎根基层,支小支农,不但成为信贷投放主力,不良贷款水平也远低于全国水平,成为这场风波中最为稳定的金融板块。地方法人金融机构的不俗表现值得关注与思考。 Since the financial crisis in Wenzhou in September 2011, after three years of evolution, non-performing assets in the banking system have been in a concentrated explosion since the risk of private financing has subsided. However, as the local financial institutions in Wenzhou took root in the grassroots and supported small-scale agriculture, they not only became the main sources of credit loans, but the level of non-performing loans was far below the national average and became the most stable financial sector in the crisis. The decent performance of local corporate financial institutions deserves our attention and reflection.