温州小额贷款公司转制为村镇银行一事，突然间仿佛成为烫手山芋。温州官方、参与试点的小贷公司、银监局都唯恐避之不及，面对外界持续关注的目光，相关各方均选择低调回应甚至不愿回应。

Wenzhou petty loan company for the conversion of the villages and towns the bank,Suddenly as if become a hot potato.Wenzhou official/Participate in pilot small credit company/The CBRC is lest away from the sufferer,In the face of external persistent of attention,Relevant parties, all choose low-key response would not even response.

　　根据 《浙江省温州市金融综合改革试验区总体方案》，符合条件的小额贷款公司可改制为村镇银行。不久前，温州公布了第一批拟发起成立新型金融机构的民营企业名单，苍南联信小额贷款股份有限公司和乐清正泰小额贷款有限责任公司，被推荐为第一批转制为村镇银行的主发起企业。

According to [Zhejiang wenzhou financial comprehensive reform pilot area overall scheme],Meet the conditions of the petty loan company can be reorganized into a town bank.Not long ago,Wenzhou announced the first batch of quasi sponsored by new financial institutions of private enterprises list,Cangnan federal small loan co., LTD. And yueqing chengtai microfinance limited liability company,Recommended for the first batch of villages and towns for the conversion of the bank's main launch enterprise.

　　最迟到10月20日，两家小额贷款公司将向温州市政府上报转制为村镇银行的方案，温州金改也将迈出举足轻重的一步。但在10月15日和16日，《每日经济新闻》记者在温州采访碰到的情况是，两家小额贷款公司、温州市金融办、温州银监分局，均不愿过多谈论此事，甚至回避采访。记者了解到，银监部门和温州之间关于银行主发起人之争，或是博弈的焦点。

The late October 20,,Two small loan company will to wenzhou government report for the conversion of the villages and towns bank plan,Wenzhou gold change will also take decisive step.But in October 15 and 16,[Daily economic news]Reporters interviewed in wenzhou is met,Two small loan companies/Wenzhou financial do/Wenzhou branch silver prison,Are not willing to talk about it too much,Even avoid interview.The reporter understands,Silver prison department and between wenzhou about bank main promoter rivalry,Or the focus of the game.

　　资金来源是优势 Capital source is advantage

　　温州的金融业态，适合小额贷款公司，还是更适合村镇银行？

Wenzhou financial format,Suitable for small loan companies,Or more suitable for villages and towns bank?

　　对此，苍南联信小额贷款股份有限公司总经理朱良建和乐清正泰小额贷款有限责任公司总经理刘阳，都没有给出明确回答，两人的反应几乎一致，“不好说。”

this,Cangnan federal small loan co., LTD., general manager ZhuLiangJian and yueqing chengtai microfinance limited liability company general manager that liu Yang speaking,All did not give a definite answer,Two people's reaction almost consistent,"Not say."

　　但两家公司还是有着自己明确的看法。刘阳告诉《每日经济新闻》记者，从广泛的角度看，银行比小贷公司好，因为银行可以做大，而小贷公司受融资比例的限制，没办法做大。刘阳认为，关键区别就在于存款的权限。小贷公司不能吸储，银行可以吸储，存款权限扩大了。

But the two companies or verydefinate ideas.That liu Yang speaking tell[Daily economic news]reporter,From a wide range of perspective,Bank than small loan companies,Because the bank can do great,And small credit by financing proportion limit,Can't do big.That liu Yang speaking think,The key difference lies in the limits of deposit.Small credit company cannot XiChu,Banks can XiChu,Deposit authority expanded.

　　苍南联信小额贷款股份有限公司甚至已经做好了吃几年苦，甚至有把银行办上去的打算，因为银行有融资渠道。

Cangnan federal small loan co., LTD. Has even ready to eat a few years bitter,There is even the bank plans to do up,Because the bank financing channels.

　　朱良建告诉 《每日经济新闻》记者，如果单纯放贷，小贷公司做得好的话，可以发展得很好。但现在对于小额贷款公司，朱良建认为很多东西没有跟上，比如税收重。“小贷公司基本上是股东自己的钱在放贷，规模上做不起来。产生的利息收入，税收跟一般企业一样，企业所得税25%，营业税附加5.56%，还要股东分红，再交个人所得税。银行不是用自己的资金产生利润，是公众资金，是赚这个利差，然后在利差里面纳税。”

ZhuLiangJian tell [Daily economic news]reporter,If simple lending,Small credit company is doing well,Can develop well.But now for small loan companies,ZhuLiangJian think a lot of things did not keep up with,Such as tax heavy."Small credit company is basically shareholders own money in lending,Do not scale up.From the interest income,With the general tax as enterprise,Enterprise income tax by 25%,Additional 5.56% business tax,And shareholders,To pay individual income tax.The bank is not with their own capital generate profit,Is public funds,Is to make the interest margin,Then in carry inside tax."

　　对于可能到来的转制，苍南联信小额贷款股份有限公司做了充足的准备。股东大会、董事会都开了，计划先经历几年痛苦的发展期，形成一定的客户规模后再做大。

For may come factory.the,Cangnan federal small loan co., LTD. Do enough preparation.Shareholders' meeting/The board of directors are opened,Plan to experience pain for several years of development period,Formed a certain scale of customers after the big.

　　倒计时前的低调 Before the countdown low-key

　　“日子比较明确了，10月20日前，两家公司把具体的实施方案报上来。”温州市金融综合改革试验区实施领导小组办公室的郑怀志告诉《每日经济新闻》记者，温州将根据小贷公司上报的方案再制定方案上报浙江省政府。这就意味着，温州小贷公司转村镇银行，似乎开始倒计时了。

"Day is made clear,Before 20 oct.,The two companies to concrete implementation scheme to come up."Wenzhou financial comprehensive reform pilot implementation of leading group office of the ZhengHuaiZhi tell[Daily economic news]reporter,Wenzhou will according to the small loan companies reported plan to make plan to the government of zhejiang province.This means that,Wenzhou small loan companies turn town bank,Seems to start the countdown.

　　但温州方面却在此时选择了低调面对。

But in wenzhou but at this time choose the low-key face.

　　10月15日上午，《每日经济新闻》记者到温州市金融办采访张震宇主任。临近中午才开完会的张震宇，却不愿过多回应温州小贷公司转村镇银行一事，称这是银监局的事，应该找银监局去，不是金融办批的。

On October 15, morning,[Daily economic news]Reporter to wenzhou financial do interviews ZhangZhenYu director.Around noon, after the meeting ZhangZhenYu of,But they don't want too much response to wenzhou small credit company turned the village bank,Say it is silver inspect bureau things,Should find the CBRC to,Not a financial do group of.

　　郑怀志低调表示，温州市领导意见很统一，先把自己的工作做好，批不批是上面的事。在方案没有通过前，还是“多做少说”。

ZhengHuaiZhi low-key said,Wenzhou leadership opinion is very unified,First to do their job better,Batch do not batch is on things above.In the scheme not through the former,or"Do more say less".

　　温州银监分局的工作人员严海姝重点提到了温州市金融办，称是金融办在主导此事。“要批也不是下面的银监局，而在银监会。”

Wenzhou branch silver prison staff YanHaiShu key mentioned the wenzhou financial do,Say is financial do in leading the matter."To batch is not the silver inspect bureau,And in the banking regulatory commission (CBRC)."

　　乐清正泰小额贷款有限责任公司总经理刘阳，一开始低调地表示，这事没什么新闻价值，没有太多东西好说，在《每日经济新闻》记者的坚持下，他才谈了一些自己的看法。苍南联信小额贷款股份有限公司董事长陈开云未在公司，公司总经理朱良建一开始也是婉拒了 《每日经济新闻》记者的采访，在反复沟通后，朱良建才同意聊一点相关情况，称目前正在根据市里面的要求做方案。

Yueqing chengtai microfinance limited liability company general manager that liu Yang speaking,A low-key start to express,This thing no news value,Doesn't have so many things to say,in[Daily economic news]Reporter's insistence,He just talked about some own opinion.Cangnan federal small loan co., LTD., chairman of the board ChenKaiYun not in the company,Company general manager ZhuLiangJian a start is also declined [Daily economic news]Reporter's interview,After repeatedly in communication,ZhuLiangJian agreed to chat a little related cases,Say according to the city are required to do scheme.

　　僵持于主发起人之争？ Stalemate in the main sponsors rivalry?

　　前期大张旗鼓的报道，对比即将开始发动“引擎”之时的低调，或源自温州和银监会在银行主发起人这点上的僵持和博弈。

Early reports in a big way,Contrast is about to start engine"engine"Of low-key,Or derived from wenzhou and banking regulatory commission (CBRC) in bank main sponsors this bit of stalemate and game.

　　朱良建向《每日经济新闻》记者透露，银监会的要求是小贷公司转村镇银行，要由商业银行来参股，股份不低于15%，但坚持银行为主发起人。而温州地方政府坚持小贷公司为主发起人。两方僵持不下，一直没沟通好。

ZhuLiangJian to[Daily economic news]Reporters revealed,The requirements of the banking regulatory commission (CBRC) is a small loan companies turn town bank,The commercial bank to participation,Share is no less than 15%,But insist on bank is main sponsor.Wenzhou local government adhere to the small credit company is main sponsor.The two sides deadlocked,Hasn't been good communication.

　　温州中小企业协会会长周德文直截了当地告诉《每日经济新闻》记者，银监会和温州地方政府对银行主发起人之争，是改制能否取得突破的瓶颈，僵持之下因不确定而低调是正常的。

Wenzhou small and medium-sized enterprise association ZhouDeWen flatly told[Daily economic news]reporter,The CBRC and wenzhou local government to bank main promoter rivalry,Is restructuring can get breakthrough bottlenecks,Under the stalemate for uncertain and low-key is normal.

　　今年3月28日，国务院常务会议在批复《浙江省温州市金融综合改革试验区总体方案》中，第二条明确“鼓励和支持民间资金参与地方金融机构改革，依法发起设立或参股村镇银行、贷款公司、农村资金互助社等新型金融组织。符合条件的小额贷款公司可改制为村镇银行。”

This year on March 28,,The state council executive meeting in reply[Zhejiang wenzhou financial comprehensive reform pilot area overall scheme]in,Article 2: clear"To encourage and support the private funds to participate in the local financial institution reform,Established according to law or equity town bank/Loan company/The rural mutual cooperatives and so on the new financial organizations.Meet the conditions of the petty loan company can be reorganized into a town bank."

　　而 《村镇银行管理暂行规定》中规定，“村镇银行最大股东或唯一股东必须是银行业金融机构。”

and [Bank villages and towns management interim provisions]Specified in the,"Bank villages and towns largest shareholder or the shareholder must be banking financial institutions."

　　温州银监分局的工作人员就告诉《每日经济新闻》记者，“实质上目前政策还没放开。”

Wenzhou branch silver prison staff will tell[Daily economic news]reporter,"In essence at present policy has not let go."

　　郑怀志也承认，温州提村镇银行的事后，银监会撇清干系称这是温州自己提出来的事，和银监无关。因此，现在温州调整了策略，方案由金融办报温州，温州上报浙江，浙江再报中央。“不走银监这条路了。”

ZhengHuaiZhi also acknowledged that,Wenzhou mention villages and towns after the bank,The CBRC left clear involvement says this is wenzhou myself out of the thing,And silver prison has nothing to do.therefore,Now wenzhou adjusted the strategy,Plan the financial newspapers wenzhou,Wenzhou of zhejiang report,Zhejiang to quote the central."Don't walk this way the silver prison."

　　温州小贷公司转村镇银行似乎陡生变数。那么，温州能否诞生小贷公司出现4年来全国首家转制的村镇银行？苍南联信小额贷款股份有限公和乐清正泰小额贷款有限责任公司均表示先申报着看。温州市金融办表示，10月底11月初，事情可能会明了一点。“中央部委如果不批的话，肯定会给大家一个解释。”郑怀志最后如此答复《每日经济新闻》记者。

Wenzhou small loan companies turn town bank seems steep born variables.so,Wenzhou can be born small loan companies in the first four years of transformation of village bank?Cangnan federal small loan co., LTD. Male and yueqing chengtai microfinance limited liability company are said to declare a watch.Wenzhou financial do said,The end of October early November,It would be a clear."The central ministries and commissions if not group of words,I'd be sure to give you an explanation."ZhengHuaiZhi finally so reply[Daily economic news]reporter.