⊙记者 周鹏峰 ○编辑 孙忠

⊙ reporter ZhouPengFeng ○ SunZhong editor

　　尽管跨区经营仍是禁区，但个别消费金融公司已试探性迈出了跨区的步伐。据知情人士透露，目前四川成都锦程消费金融公司已将其经营触角伸至眉山，在当地设有四个销售点，严格来讲已算违规。

Although interregional operation is still the box,But individual consumer financial company has exploratory made interregional pace.According to informed sources,At present on the chengdu in sichuan province consumer financial company has put its business tentacles stretch to meishan,In the local with four point of sale,Strictly already is illegal.

　　制约或将有所突破 Restrict or will be a breakthrough

　　眉山为四川省一地级市，据上述知情人士透露，锦程消费在眉山总共有4家销售点从国庆节开始上线运营，在眉山地区的合作商家包括康达电子、神州电器、金华公司等，且在持续的增加过程中。

For a city in sichuan province, meishan,According to the insider,On the consumption in meishan there are four outlets from the National Day began to on-line operation,In meishan region cooperation business including condar electronic/Shenzhou electrical/Jinhua company,And in the continued increase in the process.

　　不过，该人士亦猜测认为，目前锦程消费在眉山地区应该仍属于试运行阶段，没有开始大规模地开发销售点，且可能也仅是锦程消费销售部门的行为，并不一定得到了四川金融办、银监局的批准。

but,This personage also guess think,On the current consumption in meishan area should still belongs to the commissioning stage,No began to large-scale development point of sale,And can only be on the consumption behavior of the sales department,Must not get the financial services office in sichuan province/The approval of the CBRC.

　　根据银监会发布的《消费金融公司试点管理办法》，银监会对此类机构是采取先试点、后逐步放开的方式，在北京、天津、上海和成都四地各批准一家机构进行试点，成功后再进行推广，其中在北京设有北银消费，天津设有捷信消费，上海设有中银消费，锦程消费设在成都。

According to the CBRC issued[Consumer financial company pilot management measures],The CBRC for such institutions is to take first pilot/After the way gradually let go,In Beijing/tianjin/Shanghai and chengdu four of the approved a pilot institutions,After the success of the further promotion,Among them in Beijing with north silver consumption,Tianjin has the jie letter consumption,Shanghai boc consumption,On the consumption in chengdu.

　　据消费金融公司人士称，根据试点管理办法，在管理办法修订前，消费金融公司的业务范围只能局限于各自所在市，不能跨区经营。业界预期在十八大后或许有新管理办法出台，届时跨区经营、新增试点区域等方面制约或许能有所突破。

According to consumer financial company officials said,According to the measures for the administration of pilot,The measures for the administration of the revision in front,Consumer financial company's business scope can only be limited to their respective city,Cannot interregional business.The industry is expected in the eighteenth big may have a new management way to come,The interregional business/New pilot area etc might be able to restrict a breakthrough.

　　多家公司“试水” companies"Test the waters"

　　跨区经营是消费金融公司目前最为期待实现的突破之一，且据本报记者了解，多家消费金融公司实际上已经通过各种不同的方式突破了这一“禁区”。只不过，锦程消费目前的跨区经营方式在四家中相对来说最为直接。

Interregional management is consumer financial company at present most looking forward to achieve one of the breakthrough,And according to our newspaper reporter understanding,Several consumer financial company has, in fact, already through various ways breached this"the".just,At present on the consumption of interregional mode of operation in the four home is the most direct relatively.

　　另据本报记者了解，亦有消费金融公司通过其他业务模式去实现跨区经营的目的，比如针对职业学校学生的助学贷，有消费金融公司通过与设于某市某教育集团总部签订的合同，将其贷款跨区投放给该集团在外地所设分部的学生，有消费金融公司人士认为，这严格来讲，也算是跨区经营的一种。

The other according to our reporter understanding,Also have consumer financial company through the other business model to realize interregional operating purposes,For example for students of a vocational school student loans,A consumer financial company located in a city with a education group headquarters signed a contract,The loan will be put on the interregional to the group established in the field of each of the students,A consumer financial company people think,It strictly,Also be spanned a business.

　　虽然捷信消费目前业务只局限于天津，但其所属的中国总公司捷信中国则通过设立担保公司的模式与信托公司合作，在全国超过60多个城市开展了消费贷款业务。只不过通过这种模式开展消费信贷业务，成本要高出消费金融公司几倍，对其盈利是一大阻碍。

Although the jie letter consumption at present business limited tianjin,But their China head office the jie letter of China, through the establishment of security company's mode and the trust company,In the national more than more than 60 city carried out consumer loan business.Only through this model to carry out consumer credit business,Cost will be higher than the consumer financial company several times,The profit is a large block.

　　捷信消费所属PPF集团此前已在中国投资2亿欧元，目前尤为热盼消费金融公司跨区经营实现突破，以此降低其在中国消费信贷业务的整体成本。

The jie letter consumption subordinate PPF group had 200 million euros investment in China,At present is eagerly looked forward to consumer financial company interregional management realize the breakthrough,In order to reduce the consumption credit business in China the overall cost.

　　实际上不只是跨区经营，此前有消费金融公司人士称，很多事宜，比如对业务范围等，消费金融公司都已在试探性的突破试点管理办法，但也正因消费金融公司仍处于试点阶段，只要不大肆张扬，监管层也在一定程度上默许各种形式的试验。

Actually not only interregional management,After consumer financial company officials said,Many matters,Such as the business scope, etc,Consumer financial company has set up a file in the tentative measures for the administration of pilot breakthrough,But also because of consumer financial company is still in the experimental stage,As long as no wantonly make public,Supervision layer in a certain extent acquiesce in various forms of test.