每日经济新闻(博客,微博)记者 高翔 发自湖州

Daily economic news(blog,Micro bo)Reporters from the towering huzhou

　　上半年，通过年审换证工作，湖州市担保行业经历了一次洗牌。本次整顿由湖州市经信委主持，报送浙江省中小企业局和浙江省银监局联审。截至7月底，融资性担保公司家数由之前的72家减至41家。

In the first half of,Through the careful work,Huzhou guarantee industry experienced a shuffle.The reorganization by the letter by huzhou the host,The small and medium-sized enterprise in zhejiang province and zhejiang province silver inspect bureau united review.By the end of July,Financing guarantee company number before by 72 to 41 home.

　　本次洗牌背景何在？在中小企业担保主业呼吁加大政府财政补贴，并适度放开放贷业务，相关管理部门对这些呼声如何看待？《每日经济新闻》记者专访了湖州市经信委副主任朱延林。

The shuffle what background?In the small and medium-sized enterprise guarantee business called for increased government financial subsidies,And moderate let go of lending business,Relevant management department to these call how look upon?[Daily economic news]Reporter interviews the huzhou the letter, deputy director of the committee ZhuYanLin.

　　NBD：上半年，经过年审换证工作，湖州市的担保行业经历了一次洗牌。此次整顿的背景是什么？

NBD:In the first half of,Through the careful work,Huzhou guarantee industry experienced a shuffle.The rectification background is what?

　　朱延林：2009年开始，社会上资金充裕，担保公司的数量一下子多了起来，而相当一部分担保公司成立的动机不纯，只是想搭建一个资金运转的平台。担保公司本身的不规范运作一直存在。去年宏观经济形势趋紧，企业出险事件增多，谨慎起见，银行也提高了与担保公司合作的门槛。一些担保公司的风险开始暴露，而在去年底又爆发了银达担保案件。

ZhuYanLin:2009 start,The society with abundant funds,The number of guarantee company at a draught more up,And quite a number of guarantee company established motivation not pure,Just want to set up a fund of operation platform.Guarantee the company itself is not standard operation there has been.Last year a tightening macroeconomic situation,Enterprise be or get out of danger more events,precaution,The bank also improves and guarantee the threshold of the company.Some guarantee company's risk began to exposure,And at the end of last year and an outbreak of the silver to guarantee the case.

　　NBD：本次对融资性担保公司的年审，最看重的是哪个指标？

NBD:The financing guarantee for the company's year of careful,Which is the most important index?

　　朱延林：我们最看重主业的业务量，即中小企业担保业务原则上要做到注册资金的两倍，最低要求是担保业务量要与注册资金相等。即一家担保公司注册资金为5000万元，那么原则上中小企业担保业务放大两倍，即做到1亿元，最低不得低于5000万元。

ZhuYanLin:We value most of the main business,That small and medium-sized enterprise guarantee business in principle to do the registered capital of two times,Minimum requirement is the guarantee to business with a registered capital of equal.That is a guarantee company registered capital of 50 million yuan,So in principle, small and medium-sized enterprise guarantee business amplification two times,Which do 100 million yuan,The minimum is not less than 50 million yuan.

　　NBD：一些担保公司反映，中小企业担保业务目前是 “赔本赚吆喝”，费率低、风险大，收益不能覆盖风险，一旦发生代偿，代价惨重。因此其生存之道是主业的业务量只为应付考核，而消费贷款担保业务和放贷才是真正的利润所在。您怎么看？

NBD:Some guarantee company reflect,Small and medium-sized enterprise guarantee business is now "Sustain losses in business make call",Rate low/Risk big,Income can't cover risk,Once it has compensated,At a high price.So the the way of existence is the main business for cope with assessment,And consumer loan guarantee business and lending is the real profit place.How do you see?

　　朱延林：担保公司在其中确实面临两难。一方面，提高担保费率虽然有助于担保公司盈利，却提升了中小企业融资成本，与“缓解中小企业融资难”的初衷不符；而保持低费率又无钱可赚。我的看法是，担保公司首先要规范经营，其次我们鼓励其做大业务量。我们做过测算，对一家担保公司来说，平均放大3倍，是其盈亏平衡点。即假如注册资本在5000万元，担保业务要做到1.5亿元才能覆盖公司日常开销。

ZhuYanLin:Guarantee company in which do face a dilemma.On the one hand,Improve the guarantee rate although help guarantee company profits,But enhance the small and medium-sized enterprise financing cost,and"Alleviate the financing of small and medium enterprises difficult"Not the original intention of;And keep a low rate and have no money to earn.My view is that,Guarantee company first to standardize the operation,Secondly we encourage its do big business.We do a measure,For a guarantee for the company,Three times as much as the average amplification,Is the the break-even point.That is if the registered capital of 50 million yuan,Guarantee business to do another $150 million to cover the daily operations of the company.

　　NBD：一些担保公司呼吁政府加大财政补贴，您怎么看？

NBD:Some guarantee company called for the government to increase financial subsidies,How do you see?

　　朱延林：我赞成。我们对担保公司的基本态度是 “在规范中扶持”。首先你得规范经营，否则就会破坏行业形象，扰乱金融秩序，个人之间资金借贷还涉嫌逃税。在规范经营的同时，政府的财政补贴还是必要的，经营良好的担保公司也允许其免缴营业税。此外，我们也向法院建议加快案件审理，让担保公司的资金周转起来。

ZhuYanLin:I am in favor of.We guarantee the company's basic attitude is "In the norms of the support".First you have to standardize the operation,Otherwise you will spoil the image industry,Disturb the financial order,Between individual money lending also suspected of tax evasion.In regulating the business at the same time,The government's financial subsidies or necessary,Business good bonding company also allows the exemption from business tax.In addition,We also suggested to speed up the court hearing the case,To guarantee the company's capital turnover up.

　　NBD：诸多文件原则性规定“担保公司不得向公众发放贷款”。但为了解决中小企业融资难和扶持担保公司，也有声音认为应该重新审视担保公司放贷行为，对一些短期转贷、委托贷款等应适度放开。您如何看待？

NBD:Many files regulation principle"Guarantee company shall not extend loans to the public".But in order to solve the financing difficulties of small and medium-sized enterprises and support guarantee company,And a voice that should re-examine security company lending practices,For some short-term onlend/Entrust loans should be moderate let go.How do you think?

　　朱延林：我的看法是，担保公司为在保企业提供短期资金周转的风险是可控的。原则上，期限在一个月以内、利息不超过4倍，并且借款对象是在保企业，我们认为担保公司可以用自有资金 （而非民间借贷资金）为企业提供短期资金支持。毕竟保证金闲置对于担保公司也是一种损失。

ZhuYanLin:My view is that,Guarantee for the company in the enterprise to provide short-term capital turnover risk is controllable.In principle,Time limit within a month/Interest not more than 4 times,And loan object is in the enterprise,We think that guarantee the company can use their own funds (Instead of folk loan fund)For enterprises to provide short-term capital support.After all, margin idle for guarantee the company is also a kind of loss.