证券时报记者 何顺岗

The securities times reporter HeShunGang

　　“四川已有约50家公司在尝试进行阳光化、规范化的第三种民间借贷模式，今年有望突破50亿元。”由西南财经大学经济学院、四川中小企业信用与担保协会等机构日前发布的2012年版四川民间借贷报告显示，四川民间借贷正在尝试阳光操作。

"Sichuan has about 50 companies trying to change the sun/Standardization of the third kind of folk loan mode,This year is expected to exceed 5 billion yuan."By the southwest university of finance and economics school of economics/Sichuan sme credit guarantee institutions such as association released 2012 version of sichuan folk lending report shows,Sichuan folk loan are trying to sunshine operation.

　　截至目前，四川阳光化、规范化（通过民间借贷中介方式）的民间借贷余额约为30亿元，业内人士预计隐形民间借贷数量庞大，大概是阳光部分的5到6倍。年息方面，阳光化的民间借贷在18%左右，而非规范的借贷年息已超过48%。

So far,Sichuan sun change/standardization(Through the folk lending intermediary way)Folk loan balance is about 3 billion yuan,The personage inside course of study is expected to contact folk lending large Numbers,Sunshine is probably part of five to six times.Annual interest aspects,The sun to turn of folk loan at around 18%,Rather than standard lending interest per annum has more than 48%.

　　四川中小企业信用与担保协会会长王永其指出，四川的规范化民间借贷正处于起步阶段。2011年7月，四川出台了“关于开展中小企业民间融资担保工作的指导意见”，形成“第三种模式”的框架，即以第三方公司为中介加第三方担保公司提供担保的方式，推动民间融资阳光化。

Sichuan province small and medium-sized enterprise credit and guarantee association eds its pointed out,The standardization of the sichuan folk loan is in the initial stage.In July 2011,Sichuan province has issued a"In small and medium-sized enterprises about folk financing guarantee work instruction opinion",formation"The third kind of pattern"framework,As the third party company for the intermediary and the third party security company to provide the security all the way,Promote folk financing sunshine change.

　　“现在，阳光化的民间借贷正成为一种趋势，行业正在摸索建立标准化的规范。”王永其认为，民间借贷业内主要有青岛“五色土模式”和洛阳的 “浩亚达模式”，相比上述两种模式，四川的民间融资圈内推出的第三种模式更容易控制风险。

"now,The sun to turn of folk lending is becoming a trend,For the industry is to establish standardized specification."Eds its think,Folk lending industry mainly has Qingdao"WuSeTu mode"And luoyang of "Hao adar mode",Compared with the above two models,Sichuan folk financing circle launched the third kind of pattern is more easy to control risk.

　　调查显示，四川民间借贷的个体融资规模一般在1000万元以内，主要区间集中在50万元到200万元之间。融资效率方面，民间借贷最快能做到当天放贷，一般3天左右即可完成一个业务单元的对接，远高于金融机构的融资放款速度。

Investigation shows that,Sichuan folk loan of individual financing scale is in commonly 10 million yuan of less than,The main interval concentrated in the 500000 yuan to 2 million yuan between.Financing efficiency,Folk lending the fastest can do the lending,Generally 3 days or so can complete a business unit of butt,Far higher than financial institutions financing loan speed.

　　“操作层面上，第一要有抵押物，第二要有担保公司参与进来担保，第三就是进行司法公正。”正在积极探索第三种模式的四川奥鑫公司总经理邓永华透露，这种模式中的融资方成本在国家同期基准利率的四倍之内，相比民间高利贷月息3%~10%要低得多，而比银行融资更加快捷。

"CaoZuoCeng surface,The first to have the mortgaged property,The second to have the guarantee company involved guarantee,The third is to the judicial justice."Are actively exploring the third kind of pattern sichuan Mr Xin company general manager DengYongHua revealed,This model RongZiFang cost in the same period in the country of the benchmark interest rate within four times,Folk usury monthly interest compared with 3% ~ 10% are much lower,And more quickly than bank financing.

　　据悉，四川省99%以上的企业都是中小企业，资金缺口超过1000亿元。截至今年7月末，四川省各项存款余额38523.03亿元，比年初增加3799.18亿元；外汇各项存款余额53.99亿美元，比年初增加16.45亿美元。

It is reported,In sichuan province, more than 99% of the enterprise is small and medium-sized enterprise,Financing gap of more than 100 billion yuan.By the late July this year,In sichuan province, the account balance is 3.852303 trillion yuan,379.918 billion yuan more than at the beginning;The foreign exchange balance of $5.399 billion,At the beginning of more than $1.645 billion.