“商业银行随便一个支行每年都有过百亿的量，200多亿对银行而言不值得一提，即使对于银行中小企业部门，也不会形成特别冲击。”一位不愿意透露姓名的银行业人士在接受《中国企业报》记者采访时表示。

"Commercial bank to a branch each year have the amount of yuan,More than 200 for Banks is not worth mentioning,Even for bank small and medium-sized enterprise department,Also won't form a special impact."An anonymous bankers in accepting[Chinese enterprises to]A reporter to interview said.

　　日前，阿里巴巴从事小微企业及个人融资业务的阿里金融宣布，将阿里巴巴平台上的阿里贷由针对部分地区的付费会员推广到全国普通会员，并声称依据网络信用24小时即可发放贷款，引发业界关注，甚至有观点认为，阿里贷已经威胁到银行的生存。

a,Alibaba is engaged in small micro enterprise and individual financing business ali financial announced,Will alibaba platform of ali credit for the parts of the promotion to pay membership national ordinary member,According to the network and claimed credit 24 hours can issue loans,Cause the attention,Even with a view,Ali credit have been threatening to the survival of the bank.

　　但是阿里贷内部人士向《中国企业报》记者坦言，阿里贷虽然有些成就，但是市场份额只有零点几个百分点，掀起这么大风波公司都颇感意外。

But ali credit internal to the public[Chinese enterprises to]Reporter said,Ali credit although some achievements,But the market share only zero a few percent,So a storm in a teacup company by surprise.

贷款额度和注册资本均不敌银行 Loans and registered capital are not bank

　　根据阿里金融披露的数据，2012年上半年，阿里金融累计向小微企业投放贷款130亿元；如果追溯到阿里金融成立之日算起，这一数字更是高达280亿元。

According to financial disclosure ali data,In the first half of 2012,Ali financial accumulated to small micro enterprise on the loans 13 billion yuan;If traced back to ali financial established date,This number is as high as 28 billion yuan.

　　然而，有银行业人士向记者表示，两年多才两百多亿元的规模，而且每笔的贷款额度平均只有几十万元甚至更少，这对商业银行而言不值得一提，随便一个支行甚至是农村信用社每年的交易额都能过百亿元，对银行业形成不了什么冲击。

however,Have bankers told reporters,More than two years to more than two hundred yuan scale,And each loans average only hundreds of thousands of yuan even less,The commercial Banks is not worth mentioning,Literally a branch or even rural credit cooperatives annual turnover can is over ten billion yuan,For the banking industry can't form what impact.

　　“阿里巴巴作为一个企业，即使资金再充足，能拿出多少用来贷款？从体量上而言，阿里贷和银行根本不在一个级别上。”该银行业人士说。

"Alibaba as a enterprise,Even if capital to enough,How much can take out to loans?In terms of the quantity,Ali credit and bank not in one level."The bankers said.

　　另一位从事民间借贷业务的人士也告诉记者，金融行业的交易额和日常生活的交易额不是一个概念，阿里金融贷出去的钱可以部分收回，然后再用收回的部分继续放贷，滚雪球似的不断变大，但是实际的资本金可能只占其中很少的一部分。

Another is engaged in the folk loan business people are also told reporters,The financial industry and daily life of the turnover of the turnover is not a concept,Ali financial credit out money to take part,Then take part to continue lending,Snowball like kept getting bigger,But the actual capital may account for only a few of these part.

　　根据《中国企业报》记者查证，阿里金融旗下有两家小额贷款公司，分别为浙江阿里巴巴小额贷款股份有限公司和重庆市阿里巴巴小额贷款有限公司，注册资本金共计16亿元。记者在网上搜索到了两家农村商业银行，注册资本金都接近百亿元规模。

According to[Chinese enterprises to]Reporter verification,Ali financial is consisted of two small loan companies,Zhejiang alibaba respectively small loan co., LTD., and chongqing alibaba small loan co., LTD,Registered capital of 1.6 billion yuan.Reporter in the online search to two rural commercial bank,Registered capital are close to ten billion yuan scale.

　　坏账风险增加 Increased risk of bad loans

　　据悉，阿里贷主要依据用户在阿里巴巴B2B平台积累的交易记录和信用情况，声称“无抵押无担保”、“免费申请没有杂费”和“用几天算几天利息”，以在24小时之内即可放出贷款。

It is reported,Ali credit mainly based on users in alibaba B2B platform accumulated transaction record and credit situation,says"Unsecured unsecured"/"Free application not incidental expenses"and"With a few days a few days is interest",In 24 hours can release loan.

　　“银行需要抵押，手续还很长，我们这种小公司根本拿不到钱，却在阿里贷轻轻松松地拿到了30万贷款。”一家电器经销商的老板王先生向记者证实了阿里贷的上述承诺。

"Banks need to mortgage,Procedure is still very long,We this small company fundamental can't get the money,But in ali credit simply breezed got 300000 loan."A electric appliance distributors boss Mr. Wang told reporters confirmed ali the loan commitment.

　　不过，对于24小时即可放贷，王先生认为存在夸大的成分。据称，阿里贷同样会要求用户提交公司运营状况的相关材料，还会派人前来公司实地调研。

but,For 24 hours can lending,Mr. Wang feels that there is exaggerated composition.it,Ali credit will also require the user to submit the operation status of related materials,Also send people to come to the company field research.

　　另有业内人士认为，相比拥有百年历史的商业银行，小贷公司的历史不过数十年左右，在如何防范坏账风险、如何监管资金用途方面都有待完善，阿里贷依据网维平台去小贷业务的创新，一定程度上使得这些固有风险被放大了。

Otherwise the personage inside course of study thinks,Compared with one hundred years history in the commercial bank,Small credit company history but dozens of years,On how to prevent bad debt risk/How to regulate capital USES are expected to be perfect,Ali credit basis network d platform to small credit business innovation,To a certain extent, make these inherent risk be amplified the.

　　“小贷公司面对的本来就是高风险群体，网络信贷由于无抵押担保，对用户资金、运营等实际情况又取证困难，很容易出现坏账。”上述银行人士说，虽然贷款利率要比商业银行高很多，损失一笔贷款仍要通过十几笔甚至几十笔交易才能赚回本金。

"Small loan companies face was high risk group,Network credit because unsecured guarantee,Funds to the user/Operation actual situation and forensics difficulties,Is easy to appear bad debt."The bankers said,Although the loan interest rate than commercial bank high many,Loss a loan should remain through 10 pen or even dozens of transaction can earn back to the principal.

　　记者在阿里金融官网上了解到，其每隔一个季度都会披露欠款企业黑名单。今年5月到8月间，阿里金融至少出现了17笔金额较大的欠贷，单笔涉及金融多在100—500万元之间。

Reporter in ali financial official website to know,Its every quarter will disclose credit enterprise blacklist.In may this year to 8 month,Ali financial suffered at least 17 amount larger owe credit,Single pen involves financial in 100-5 million yuan between.

小微企业融资难 Small micro enterprise financing difficult

　　催生网贷兴起 Network expedites the rise of credit

　　中小企业由于抵押能力较弱、单笔金融较少，一直不被银行重视。虽然在政策的推动下，部分商业银行成立了中小企业部门，甚至投入不少资金用于广告宣传，但在具体的实践中，部分小微企业仍然难以摆脱被歧视的命运。

Due to the small and medium-sized enterprise mortgage ability is weak/Single pen financial less,Never be bank pay attention to.Although in the policy driven,Part of commercial bank set up small and medium-sized enterprise department,Even into a lot of money for advertising,But in the concrete practice,Some of the smaller micro enterprise is still difficult to get rid of the fate of the discriminated against.

　　在这种情况下，民间借贷风生水起，利率更是水涨船高。据悉，去年上半年是民间借贷利率最高的时候，月利12分，年利率144%，最近虽然有所缓和，不过月利仍在3分左右，也就是年利率36%。

In this case,Folk lending flawed,Interest rate is a rising tide lifts all boats.It is reported,In the first half of last year is the highest in the folk lending rate,Monthly interest 12 points,The annual rate of 144%,Although recently has eased,But monthly interest is still in about three points,Is the annual interest rate 36%.

　　而按照政策规定，民间借贷利率不得高于银行基准利率的4倍，否则多出的部分不受法律保护。根据这一要求，民间借贷利率的法定最高年利率为25.24%。

And in accordance with the policies,Folk loan interest rate shall not be higher than bank benchmark interest rate 4 times,Otherwise the part not protected by law.According to the requirements,Folk loan interest rate of the highest legal will pay 25.24% annual interest.

　　正是看到了民间借贷这一商机，部分从事民间借贷的网络平台应运而生。业内人士表示，这些平台的一大作用即是推动了民间借贷利率的透明化和规范化。

It is to see the folk lending this business opportunities,Part of the folk lending in the network platform arises at the historic moment.The personage inside course of study says,These platform a bigger role is to promote the folk loan interest rates transparent and standardization.