和讯网消息 第三届中国西部金融论坛9月25日在成都举行，富登信贷首席执行官柯文龙在论坛上表示，中小企业融资的需求市场是非常庞大，也非常重要。

HeXunWang news the third China western financial BBS on September 25, held in chengdu,Rich's credit chief executive KeWenLong in BBS on Wednesday,Small and medium-sized enterprise financing demand market is very large,Is also very important.

　　柯文龙表示，中小微企业融资通常没有齐全的财务报表或者资产表，所以银行贷款就比较难。但是这些中小微企业是每个国家经济的重要成分，富登小贷针对的就是这些客户。富登信贷只贷款给年销售额最高六千万以下的客户，客户平均的年销售额大概1千万到3千万之间。

KeWenLong said,Small and medium-sized micro enterprise financing usually there is no complete financial statements or assets table,So the bank loan is difficult.But these small and medium-sized micro enterprise is every country economy important component,Rich's little credit for is that these customers.Rich's credit only loans to the highest annual sales of sixty million the following customer,Customer average annual sales probably between 10 million and 30 million.

柯文龙在论坛发言 KeWenLong in BBS to speak

　　以下是柯文龙的发言实录：

The following is KeWenLong speech memoir:

　　尊敬的各位领导，各位来宾，大家好。富登小贷成立于2008年，先在四川开始做试点，在去年的1月，因为试点的效果非常成功。富登应该是西部最大的小贷之一。富登金控成立于2003年，也是以小贷为主，富登金控的第一个投资是印尼的银行，这家银行它只做中小微贷款，不做别的，现在是印尼最大的5家银行之一。富登金控后来的投资也离不开小贷，我们在印度、迪拜、巴基斯坦都投资了中小企业机构。我们在建行和中行都有战略投资，也在本土开设了富登小贷，和中行合作的村镇银行。

Dear every leader,Ladies and gentlemen,hello everybody.Rich's small credit was founded in 2008,In sichuan first began to do the pilot,At last year's January,Because the pilot effect is very successful.The rich should be the west's biggest little one of credit.Rich's gold control was established in 2003,Also in small credit is given priority to,Rich's gold controlled the first investment bank is Indonesia,The bank it only do small and medium-sized micro lending,Don't do other,Indonesia is now the largest one of five Banks.Rich's gold control later investment also cannot leave little credit,We in India/dubai/Pakistan the small and medium-sized enterprises investment institutions.We in the construction bank and bank of China has strategic investment,Also in the local opened the rich's little credit,Bank of China and bank of villages and towns cooperation.

　　回到富登小贷我们在全国有24家分机构及区域总部，分别为四川11家，湖北8家和重庆5家，总体员工大约600人，放款余额超过12万亿。富登小贷的策略就是做小金额，做大量客户为主，分散我们的风险。我们的贷款期限也比较长，平均是两年。因为我们贷款的主要目的就是让这些中小微企业能够做得稳，做得长，做得大，而不必在短期内花太多的精神去为资金而烦恼。但因此我们对审批的客户的要求就比较高。

Back to the rich in the country's small credit we have 24 home runs institutions and regional headquarters,For sichuan 11 respectively,Hubei 8 and chongqing five,Overall staff of about 600 people,More than 12 trillion loan balance.Rich's small credit strategy is to do a small amount,Customers are doing a lot,Disperse our risk.We loan time limit is long,Average is two years.Because we loan main purpose is to make these small and medium-sized micro enterprise can do firm,Do long,Do big,In the short term and don't have to spend too much spirit to worry about money.But so we for approval to the demand of the customers is higher.

　　富登小贷针对的客户群也是非常讲究的，在开办小贷之前，我们分析了市场的需求，我们觉得大型的企业可以获得大型银行的服务，但是中小微企业他们融资就没有这么简单，因为他们通常没有齐全的财务报表或者资产表，所以银行贷款就比较难。但是这些中小微企业是每个国家经济的重要成分，富登小贷针对的就是这些客户。

Rich's small loans to customers is very cultured,In the open before the small loans,We analyzed the demand of the market,We think that large enterprise can get large bank service,But small and medium-sized micro enterprise financing they not so simple,Because they are not complete financial statements or assets table,So the bank loan is difficult.But these small and medium-sized micro enterprise is every country economy important component,Rich's little credit for is that these customers.

　　我们只贷款给年销售额最高六千万以下的客户，但是我们平均的客户年销售额大概1千万到3千万之间。我们觉得中小企业融资的需求市场是非常庞大，也非常重要。富登对小贷行业也充满了希望，作为小贷行业的一分子，我们有几个想法和大家分享。主要是为了以后小贷行业的发展。

We only loans to the highest annual sales of sixty million the following customer,But we average customer annual sales probably between 10 million and 30 million.We feel small and medium-sized enterprise financing demand market is very large,Is also very important.Rich climb to the little credit industry also is filled with hope,As a part of small credit industry,We have several ideas and share.Mainly to small credit after the development of industry.

　　第一、虽然市场很大，但小贷行业也充满了高风险，如果要坚持的发展，小贷行业必须提高商业化风险的技术，信息设施等等，因为在经济好的时候，我们看不出问题，但是在经济缓慢的时候问题的发生就会有严重的后果。

The first/Although a huge market,But little credit industry also filled with high risk,If you want to adhere to the development,Small credit industry must increase the risk of commercial technology,Information facilities and so on,Because in the economic good,We can't see problems,But in the slow economic when the happening of the problem will have serious consequences.

　　第二我们的希望有关方能够协助小贷融资，小贷不能只靠资本金，否则股东的回报率就会偏低。如果融资的渠道上就代表小贷的资金成本高，加上高风险成本，高运营的成本，这些都会转到贷款的客户。但是打开融资渠道不是一刀切，因为小贷行业还是有高风险技术的提高空间。有关方可以适当的开放他们所认为做得好，做得规范的小贷作为一个试点。这样的话，如果真正出现问题，有关方也能够及时的控制，避免它扩大。

The second we hope relevant parties can assist small credit financing,Small credit can not only rely on capital,Otherwise the shareholder returns will be on the low side.If the financing channel is on behalf of small credit capital cost is high,With high risk cost,High operation cost,These will turn to loan customers.But open the financing channel is not a "one size fits all,Because of small credit industry or are at high risk for technology to improve space.The party may appropriate open what they think well done,Do have to regulate small credit as a pilot.so,If the real problems,The party also can timely control,Avoid it expand.

　　第三、如果要鼓励小贷的资金需要投到实体的经济，有关方能够通过一些考核评级制度，让这些做小金额，做大量客户的小贷一些政策支持。如融资渠道开放等等，这是非常重要的一点。因为如果小贷只是做短期或者是做过小贷，通常这些融资不能够直接的去买货，或者去买机器或者去开厂房，也就是说这些融资其实没有落实到实体经济上。

The third/If you want to encourage small credit funds need to throw to the entity economy,The party can pass some assessment rating system,Let these do small amount,Do a lot of customer's small credit some policy support.Such as the financing channels open and so on,This is a very important point.Because if small credit just do short-term or done little credit,Usually these financing can't direct to buy goods,Or to buy machine or to open building,That is the financing in fact did not carry out to the entity economy.

　　第四、除了提高小贷的技术含量，有关方也能够提高中小企业老板的经营教育和管理的培训。我们体会到很多老板对自己的企业是非常非常认真，但他缺乏管理知识，导致了一个好的企业无法顺利的开发。一个典型的例子就是生意好的老板，他不管现金流，他只顾着扩大的的实力，导致手上没有现金来还贷款。

The fourth/In addition to improving the technical content of small loans,The party can also improve the small and medium-sized enterprise the boss of business education and management training.We realize many bosses to own enterprise is very, very seriously,But his lack of management knowledge,Led to a good enterprise can't smooth development.A typical example is the business a good boss,He regardless of cash flow,He is absorbed in the strength of the expansion,Lead to no cash on hand to repay the loan.

　　以上是我和大家分享的一些想法，如果说得不好，请原谅，在此感谢主办方给我这次学习的机会，也感谢各位一直以来对我们小贷的支持，谢谢。

The above is my and share some of the ideas,If well,Please forgive me,In this thank organizers give me the chance to learn,Also thank you have been to our small credit support,thank you.