新华社北京７月１８日电（记者 韩洁、席敏 徐岳）财政部日前发布《关于开展小额贷款公司涉农贷款增量奖励试点的通知》，决定从今年起在天津、辽宁、山东、贵州等４省（市）开展小额贷款公司涉农贷款增量奖励试点。

    Beijing, July 18 (Reuters)（Reporter sid、XiMin XuYue）The Treasury has issued《About microfinance company in agriculture loan increment notice of the pilot rewards》，Decision from this year in tianjin、liaoning、shandong、Guizhou province 4（city）Carry out small loans company agriculture loan increment reward pilot。

    财政部有关负责人表示，此举旨在落实《国务院关于鼓励和引导民间投资健康发展的若干意见》精神，引导小额贷款公司规范健康发展，加大对“三农”发展的支持力度。

    The Treasury said the relevant person in charge，The move is aimed at implement《The state council about encourage and guide the healthy development of the private investment in some opinions》spirit，Guide microfinance company standard health development，Increase of“Agriculture, rural areas and farmers”Development of support。

    根据通知，试点地区的小额贷款公司将纳入涉农贷款增量奖励范围，当年涉农贷款平均余额同比增长超过１５％的部分，按２％的比例给予奖励。奖励资金由中央和地方财政分担。

    According to the notice，Pilot areas of small loan company will be included in its loan increment reward range，Agricultural loans that average balance year-on-year growth of more than 15% of the part，According to the proportion of 2% shall be awarded。Reward fund share by the central and local governments。

    分析人士指出，试点地区小额贷款公司将和村镇银行一样可享受涉农贷款增量财政奖励，有助于吸引更多民间社会资本参与，更好为“三农”发展提供金融服务，满足日益增长涉农信贷需求。

    Analysts say，Pilot areas microfinance company will seriously Banks can enjoy its loan increment financial rewards，Helps to attract more capital in civil society，Better for“Agriculture, rural areas and farmers”Development to provide financial services，Meet the increasing agricultural credit demand。

    “涉农贷款增量财政资金的奖励将提高小额贷款公司服务‘三农’的积极性，进一步发挥小额贷款公司在支持地方经济发展方面的拾遗补缺作用。”首批开展试点的山东省金融工作办公室有关负责人对记者说。

    “Agriculture loan increment finance capital rewards will improve microfinance company service‘Agriculture, rural areas and farmers’enthusiasm，Further play small loans company in support local economic development of the role of ci poems。”The first pilot in the shandong province about chief financial office told reporters。

    据这位负责人介绍，中央和地方财政主要针对“农户农林牧渔业贷款”“农户消费和其他生产经营贷款”“农村企业及各类组织农林牧渔业贷款”和“农村企业及各类组织支农贷款”等４类涉农贷款予以奖励。鼓励小额贷款公司提供涉农贷款，也意味着破解“三农”融资难题多了一条渠道。

    According to the chief introduction，The central and local governments mainly for“Farmers ecological-economic loans”“Farmers consumption and other production and business loans”“Rural enterprise and all kinds of organization, animal husbandry fishery loans”and“Rural enterprise and all kinds of organization support of loans”Four kinds of loans such as agriculture shall be awarded。Encourage microfinance companies provide agricultural loans，Also means that crack“Agriculture, rural areas and farmers”Financing problems much a channel。

    近年来，我国小额贷款公司发展迅速，数量正呈雨后春笋般快速增加。与大型金融机构相比，小额贷款公司具有贴近基层、贴近农村的优势，只要风险可控，更愿意进行金融创新，更容易满足小微企业、农村企业等“草根群体”的融资需求。

    In recent years，China's small loan company is developing rapidly，Numbers are popping up like a rapid increase。Compared with large financial institutions，Microfinance company has close to the grassroots、The advantage of press close to rural areas，As long as the risks are controllable，More open to financial innovation，More easy to meet small micro enterprises、Rural enterprises, etc“Grass-roots groups”The financing needs of。

    记者从山东省了解到，截至２０１２年５月底，山东省已审批设立小额贷款公司２７１家，区域覆盖率达８８％。２０１１年，山东省小额贷款公司累计发放“三农”贷款２８８亿元，占全部贷款的４７％；今年１至５月，已累计发放“三农”贷款１６２．２４亿元，占贷款总额的４５．０６％。

    The reporter learned from shandong province，By the end of May 2012，Shandong province has set up small loans company for examination and approval in 271，Regional coverage rate of 88%。2011 years，Shandong small loans issued the accumulated“Agriculture, rural areas and farmers”A loan of RMB 28.8 billion,，Accounting for 47% of all loans；January to may，Already accumulative total release“Agriculture, rural areas and farmers”A loan of RMB 16.224 billion,，Accounting for 45.06% of the total loan。

    财政部有关负责人指出，目前开展小额贷款公司涉农贷款增量奖励，仍处在试点阶段。我国小额贷款公司还处于发展早期，为更好地发挥政策引导作用，防控金融风险，有必要通过先行试点更好总结经验，逐步探索完善相关政策。同时，通知也明确，申请奖励资金的小额贷款公司应建立较为完善的风险管理和内控制度，经营运作良好，且各项指标符合有关监管部门要求。

    A head of the Treasury said，At present the company carry out small loans agriculture loan increment rewards，Still in the experimental stage。China's small loan company still in the early stages of its development，For better play to the policy guidance，Prevention and control financial risks，It is necessary to first pilot better to sum up experience，Explore gradually improve relevant policies。At the same time，Notice is clear，The financial incentives for small loan company shall establish a sound risk management and internal control system，Operating good，And every index comply with the relevant supervision department requirements。