本报记者 吴建有

Our correspondent WuJianYou

　　本报记者从7月22日召开的河南省融资担保业协会换届大会上获悉，按照计划，至7月底，河南省1383家担保机构将减少到839家，近四成担保机构或被移交、或重组、或变更、或注销。会上，河南省工信厅厅长杨盛道当选为河南省融资担保业协会会长。

Our reporter from July 22, the financing assurance association of henan province at that conference，According to plan，To the end of July,，Henan province 1383 guarantee agencies will be reduced to 839，Nearly forty percent guarantee agencies or deported、Or restructuring、Or change、Or cancellation。meeting，Henan letter hall of ChengDao Yang work was elected to the henan province financing assurance association。

　取得资格企业329家 Qualified enterprise in 329

　　据了解，河南省自去年7月份开展担保机构规范整顿以来，通过“深入排查摸底，分类化解风险”、“积极引导退出，推动兼并重组”、“严格行业准入，支持规范发展”等措施的推进，河南省担保机构经营环境得到明显改善，违法违规经营得到有效矫正，行业秩序和经营行为日益规范。

According to understand，Since last July in henan province to provide guarantee agencies regulate since reorganization，Through the“In-depth baseline testing，Risks classification”、“Actively guide exit，Promote m&a”、“Strictly industry access，Support criterion development”The advancement of such measures，Henan guarantee agencies operating environment have been improved obviously，Illegal business effectively rectified，Industry order and increasingly standardize management behavior。

　　“去年7月以来，河南省深入开展了担保行业规范整顿工作，从发放担保机构经营许可证入手，按照"优化一批、移交一批、变更一批、注销一批、重组一批"的原则，加强了行业监管，严厉打击了违法行为，初步遏制了担保行业的"乱象"，提升了担保实力，规范了经营行为。”河南省工信厅厅长杨盛道介绍，从今年年初开展了河南省担保机构民间融资情况全面排查，排查出担保机构民间融资余额为114.49亿元（不包括郑州市已经立案的担保机构），涉及5020个企业和4万多自然人。在摸底排查的基础上，下发了《关于进一步化解担保风险的指导意见》。

“Since last July，In-depth development in henan province, assure the industry standard，From issuing business license of guarantee agencies，According to"Optimization a batch of、Hand over a group of、Change a batch of、Cancellation of a number of、Restructuring a batch of"principle，To strengthen the supervision of the industry，To crack down on the illegal behavior，Preliminary control the guarantee of the industry"mess"，Improve the guarantee strength，Regulate the management behavior。”Henan letter hall of ChengDao Yang work is introduced，In henan province from earlier this year guarantee agencies folk financing thorough testing，The guarantee agencies regularly folk financing balance is 11.449 billion yuan（Not including zhengzhou guarantee agencies has been filed），Involves 5020 enterprises and more than 40000 natural person。Aiming at the basis of novelty，Issued a《On further dissolve guarantee risk guidance》。

　　通过几个月的努力，河南省大多数地市民间融资得到消化，郑州市也已经兑付40多亿元。“按照计划，至7月底，河南省1383家担保机构将减少到839家，近四成担保机构或被移交、或重组、或变更、或注销。目前，全省已经立案担保机构33家，批捕130多人，案前调查和高风险的有50多家。”他介绍，各地市积极采取措施，引导担保机构通过各种方式退出担保领域，目前，担保机构已注销或正在注销77家，已退出或正在退出的210家以上。“积极推动担保机构兼并重组，初步调查，全省有重组意向的担保机构60多家，洛阳、周口、新乡、漯河、商丘等市的兼并重组工作已进入实际操作阶段，其中，周口市的9家公司拟重组为1家，新乡的13家公司拟重组为4家。”

During the months of hard work，Most cities in henan province folk financing get digestion，Zhengzhou has more than 40 to one hundred million yuan。“According to plan，To the end of July,，Henan province 1383 guarantee agencies will be reduced to 839，Nearly forty percent guarantee agencies or deported、Or restructuring、Or change、Or cancellation。At present，The whole province has been filed from 33 guarantee agencies，Of necessity to more than 130 people，AnQian survey and high-risk have more than 50 homes。”He introduced，Every city and take active measures，Guide guarantee agencies in various ways to quit guarantee field，At present，Guarantee agencies already cancellation or are the cancellation of 77，Already dropped out or are the withdrawal of more than 210。“Actively promote m&a guarantee agencies，Preliminary investigation，The restructuring of the guarantee agencies have intention to more than 60 home，luoyang、zhoukou、xinxiang、Luo river、In the present work has entered the m&a actual operation stage，Among them，The nine zhoukou company intends to restructuring for home 1，Xinxiang 13 home company intends to restructuring for four。”

　　截至目前，河南省已取得许可证的担保机构329家，注册资本256亿元，户均资本金比整顿前提高两倍以上，撬动银行授信750亿元。其中，财政及国有资本出资的担保机构172家，注册资本135.25亿元。今年上半年，河南省融资性担保机构共为1.66万家中小企业提供融资性担保259亿元，在保余额489.6亿元，银担业务呈明显上升趋势。

So far，Henan province has obtained a permit for guarantee agencies in 329，Registered capital of 25.6 billion yuan，Worth than the capital increase more than twice as much as before，Move the drawdown 75 billion yuan。Among them，Financial and state-owned capital contribution of the guarantee agencies to 172，Registered capital of 13.525 billion yuan。In the first half of this year，Henan financing guarantee agencies for small and medium-sized enterprises of 1.66 collective-run provide financing guarantee 25.9 billion yuan，In the balance of 48.96 billion yuan，Silver bear business show clear ascendant trend。

　　“但同时，全省担保机构规范整顿工作中仍存在一些突出问题。”杨盛道表示，一些地方存在片面、模糊认识和畏难情绪，规范整顿工作整体推进缓慢，该移交的没有移交，该依法立案的没有及时处理；部分投资户要钱心切，情绪激动，“这些都需要我们认真对待，切实加以解决。”他反思说，主管部门对担保行业研究不透；把关不严，门槛太低；监管不力，导致全民搞担保。

“But at the same time，The guarantee agencies to regulate the work still has some prominent problems。”Yang ChengDao said，Some places exist partial、Fuzzy knowledge and the fear of emotions，The standard work the whole advancement slowly，This over to a no hand over，According to law of the file no handle in time；Some investment households to be money can，emotional，“All these need we seriously，Earnestly to solve。”He said on，The competent departments of industry research through security；Checks lax，Threshold is too low；Regulation is slack，To make the guarantee。

已开业小贷公司255家 Small business credit company has 255

　　与此同时，河南省小额贷款公司试点进展顺利。截至6月底，河南省已审批小贷公司300家，注册资本126.4亿元，已开业小额贷款公司共有255家，注册资金97.4亿元，今年上半年累计向河南省中小企业贷款20亿元，6月末的贷款余额为92.7亿元，带动了中小企业新增80亿元的营业收入。

At the same time，Henan small loans to the pilot is going well。By the end of June，Henan province has set up a file the examination and approval small loan company 300，Registered capital of 12.64 billion yuan，Has been small loans company has 255，The registered capital of 9.74 billion yuan，In the first half of this year to small and medium-sized enterprises in henan province total loans of 2 billion yuan，In late June the loan balance is 9.27 billion yuan，Drive the small and medium-sized enterprise revenues increased by 8 billion yuan。

　　“河南的小贷公司在发展中也存在一些问题：分布不均匀，最多的郑州、洛阳超过了40家，少的开封、鹤壁不到5家；资本金偏少，单户平均注册资本0.39亿元，最大的2亿元，最小的仅1000万元，与全国单户平均注册资本0.76亿元相比，河南相差近一半；贷款规模小，期末贷款余额的单户平均值为0.36亿元，与全国平均水平0.91亿元相比，相差0.55亿元。中小企业要发展就必须发展"草根金融"。”杨盛道表示，在制约中小企业发展的诸多因素中，生产要素偏紧、企业融资渠道偏窄、融资难的问题尤为突出。目前，河南省中小企业贷款仅占河南省全部贷款余额的11%，地方性银行支持中小企业贷款占全部贷款余额的40%。因此，扶持一批有实力的担保机构加强银担合作，推进小额贷款公司试点工作持续开展，通过发展“草根金融”，可以在一定程度上缓解中小企业融资难问题。

“Henan small loan company in developing also some problems：Uneven distribution of，Most zhengzhou、Luoyang more than 40，Less kaifeng、Hebi less than five；Scarce capital，Single households average registered capital of 039 million yuan，The biggest 200 million yuan，The smallest only 10 million yuan，With the national average single households compared with a registered capital of 076 million yuan，Henan is nearly half；Loans to small scale，The final loan balance sheet households average is 036 million yuan，And the average national level compared to 091 million yuan，Differ 055 million yuan。Small and medium-sized enterprise development, we need to develop"Grassroots financial"。”Yang ChengDao said，In restricting the development of small and medium-sized enterprises of the many factors，Production elements tight、Enterprise financing channel slant narrow、Financing the difficult question is very outstanding。At present，Small and medium-sized enterprises in henan province loans accounted for only 11% of all loans outstanding in henan province，Local bank support small and medium-sized enterprise loans accounted for 40% of all loans outstanding。so，Support a number of the strength of the guarantee agencies to strengthen silver bear cooperation，The pilot of small loans, sustained development，Through the development“Grassroots financial”，Can some relief financing difficulties of small and medium-sized enterprises。