见习记者 刘雁

Trainee reporter LiuYan

　　珠三角地区融资性担保公司半数歇业或许只是担保行业夹缝求生的一个缩影。

The pearl river delta region financing guarantee company half closed down may be guarantee industry survive a miniature of the middle。

　　游走于银行与中小企业中间地带的担保公司正面临着转型的迫切需求。据记者了解，广州、深圳两地的部分龙头担保公司主业已不再是融资性担保，取而代之的则是财富管理以及股权投资等业务。

Walk on the bank of the middle and small and medium-sized enterprises guarantee company is facing the urgent needs of transformation。According to the reporter understands，guangzhou、Shenzhen part of its leading guarantee company is no longer a financing guarantee，Instead, wealth management and equity investment is business。

　　上半年融资性担保业务缩水，财富管理和股权投资业务却逆势上扬深圳一家大型民营担保公司上半年这一业务特征很具有行业代表性。事实上，目前该公司融资性担保业务仅占所有业务的20%，而一年前这一比例为50%。

The financing guarantee business shrink in the first half，Wealth management and equity investment business is up against a large private security company in shenzhen in the first half of the business features very with industry representative。In fact，At present the company financing guarantee business accounted for only 20% of all business，A year ago this ratio is 50%。

　　短短一年间，这家担保公司主动收缩融资性担保业务战线，并逐步梳理存量担保贷款。龙头公司尚且如此，小型担保公司更何以堪。记者在与业界交流时发现，今年以来小型融资性担保公司业务量普遍同比下降五成。

Just a year，The guarantee company active contraction financing guarantee business front，And gradually comb stock guaranteed loans。Leading the company even so，Small guarantee companies more deserving of why。Reporters and industry found in communication，Since this year small financing guarantee company portfolio is generally fifty percent year-on-year drop。

　　龙头担保公司的谨慎从一个侧面反映出行业的生存困境。其困境的根源首先在于风险与收益严重不匹配，民营融资性担保公司的费率一般在2.5%～3%，只要一单业务出现风险，可能需要30单业务的收益来填补窟窿。

Leading guarantee companies care from a side, reflect the existence dilemma industry。The root of the trouble lies first of all in the benefits and risks severe don't match，Private financing guarantee rates generally in 2.5% ~ 3%，As long as a single business appear risk，May need to 30 single business earnings to fill the hole。

　　其次，困境的根源还来自于优质中小企业客户资源匮乏，而资质差的企业本身风险偏高。一位业内人士向记者大倒苦水，资质好的中小企业首先会找银行，因为融资成本较低；去银行贷不到款时才会想到担保，但首先会找的是国有背景的担保公司，因为担保费率较低；而资质较差的企业，往往资金需求大，但发生风险的概率高。

second，The root of the trouble is from small and medium-sized enterprises in high quality customer resource scarcity，The enterprise itself and qualification poor risk is on the high side。A personage inside course of study to the reporter pour bitterness，Small and medium-sized enterprise qualification good first looking for a bank，Because the financing cost is low；Go to a bank borrow less than money will think of guarantee，But first will find is the guarantee of the background of the state-owned company，Because the guarantee rate is low；And qualification of poor enterprise，Often capital demand is big，But the risk of high probability。

　　那么，担保公司的转型之路又在何方？一位资深的担保业人士告诉记者，未来担保公司将会主动收缩融资性担保业务，而大力发展其他类型业务，比如财富管理和股权投资基金，采用多元化经营方式以实现转型目标。

so，The transformation of the way of the guarantee company where again？A veteran assurance people told reporters，The future will guarantee company active contraction financing guarantee business，To other types of business，Such as wealth management and equity funds，The diversified management way to realize the transition to target。

　　但记者认为，由于融资性担保公司的盈利模式受到限制，企图通过融资担保业务获得高利润的想法并不现实。这一块业务反而会随着银行对小微信贷业务的逐渐重视而失去，毕竟银行并不愿意将这中间业务的利润分给担保公司。

But the reporter thought，Because the financing guarantee company's profit model was limited，Attempt to through the financing guarantee business to obtain the highly profitable ideas is not reality。This piece of business with the bank instead of small micro credit business gradually lost the attention，After all, the bank is not willing to put the intermediary business profits to guarantee company。

　　而另一方面，如果担保公司“挂羊头卖狗肉”将融资性担保业务抽离，那么又违背了支持中小企业发展的初衷，其融资性担保的牌照能否保留将是一个问号。基于此，目前许多担保公司并没有完全脱离融资性担保业务，而是将此作为“慈善”和“幌子”，实际上重点发展的则是其他更赚钱的业务。

And on the other hand，If guarantee company“Hang the sheep head sell vinegar”Will the financing guarantee business pull away，So against the support and the original intention of the development of small and medium-sized enterprises，Its financing guarantee can keep the licence will be a question mark。Based on this，At present many guarantee companies and not completely from financing guarantee business，But will the as“charity”and“cover”，In fact focus on the development of other more money is the business。

　　当然，担保公司也有其自身优势，一方面，他们与银行有着广泛的合作关系，另一方面，在中小企业融资服务方面亦经验丰富，特别是对风险的把控有其独到之处，并积累了大量客户资源和项目资源。

Of course，Guarantee company also has its own advantages，On the one hand，They and the bank has extensive relations of cooperation，On the other hand，In the small and medium-sized enterprise financing services also experience，Especially for the risk of has its unique，And accumulated the massive customers resources and project resources。

　　转型之路漫漫，担保公司转型之说早在2009年便提上日程，但时至今日转型成功的案例却寥寥无几，夹缝中求生的担保公司依然在寻找最适合的转型之路。

The transformation of a long way to go，Guarantee the transformation of the said in early 2009 was put on the agenda，But today the transformation of successful cases but very few，In the middle of the company is still in the guarantee to find the best way of transformation。