低调而神秘的典当行业，近来却因为民营资本的踊跃参与散发出新的活力。日前，南京聚宝典当有限责任公司已完成8%股权的转让和增资，在江苏典当行业内引起关注。

Low-key and mysterious pawn industry,But recently because of the private capital to participate in sends out a new vitality.a,Nanjing poly bible when a limited liability company has completed the transfer of capital and 8% stake,In the industry in jiangsu pawn concern.

　　“接手股权的是一家民营公司，是从好几家竞买方中挑选出来的。目前，这家公司还需要报商务局批准最终确认竞买资格，才能成为公司股东。”聚宝典当总经理王萍告诉《金证券》记者。

"Take over equity is a private company,From several race the buyer are selected.At present,The company also need to quote business bureau approved the final recognition of the qualifications,To become the shareholders of a company."Poly bible when general manager wang ping told[Gold securities]reporter.

　　典当行股权走俏 Pawnshop equity popular

　　聚宝典当股权交易负责人向《金证券》强调：“因为典当行是特殊的行业，属于商务厅和公安厅管理，所以竞买方必须是实体经营者，投资机构是没有竞买资格的。”《金证券》记者获悉，主管部门对典当行股权交易拥有否决权，而这种严格的监管制度也是资本进入典当行业的主要门槛之一。

Poly bible when equity transactions to head[Gold securities]emphasize:"Because the pawnshop is a special industry,Belong to the business hall and provincial public security management,So race the buyer must be physical operators,Investment institutions is no bidding qualification."[Gold securities]The reporter learns,The competent departments of pawnshop equity transaction have veto power,And this kind of strict supervision system and capital into the pawn industry one of the main threshold.

　　不过，这并没有影响民营资本对典当行业的热情。

but,This does not affect private capital to pawn industry enthusiasm.

　　王萍向《金证券》记者指出，到目前为止，聚宝典当的注册资本已经从原来的500万元增资到2000万元。“增资的多以自然人股东为主。现在南京典当行中，国有股权已经很少了。”

Wang ping to[Gold securities]Reporter pointed out that,So far,Poly bible when the registered capital was taken from the capital 5 million yuan to 20 million yuan."The capital increase in natural person shareholder is given priority to.Now nanjing pawn line,State-owned equity already very few."

　　为什么各路民营资本会钟情典当行业？ Why the private capital will be loving pawn industry?

　　“和银行、小额贷款公司、担保公司相比，典当行要求以实物做质押，风险要小得多。”一位南京典当行业资深人士向《金证券》记者坦言。据了解，一般典当行给出的可当金额是市面价钱的5-7折，这是根据物品的不同而定的。

"And bank/Petty loan company/Compared to guarantee company,Pawnshop requirements in kind do pledge,Risk are much smaller."A nanjing pawn industry to senior personage[Gold securities]Reporter said.It is understood,General pawnshop given when amount is market price of 5-7 fold,This is according to the different items and decide.

　　王萍表示，现在的典当公司也“不再是旧模样”，它凭借其融资快捷、方便灵活的特点受到许多小微企业的青睐，“因为手续方便、快捷”。

Wang ping said,Now the pawn companies also"Is no longer the old appearance",It relies on its financing shortcut/The characteristics of convenient and flexible by many small micro enterprise's favour,"Because formalities convenient/fast".

　　在王萍看来，典当行的“转型”是吸引民营资本的主要原因，而典当行相对较低的资金门槛是必要条件。“相对于小额贷款公司动辄上亿元的注册资本，典当行的注册资本门槛低得多，所以典当行才成为那些愿意进入金融行业的民营资本首选。”

In wang ping looks,Pawn done"transformation"Is the main reason for the attract private capital,And the pawnshop relatively low capital threshold is necessary condition."Relative to the small loan companies frequently tens of millions of dollars in the registered capital,Pawn done registered capital are lower than the threshold,So the pawnshop to become those who would like to enter the financial industry of private capital preferred."

　　民营资本增资忙 Private capital endowment busy

　　通过股权转让拿到典当行“门票”后，民营资本积极增资典当行业成为新趋势。

Through the equity transfer to the pawnshop"tickets"after,Private capital actively capital increase pawn industry become a new trend.

　　“典当公司属于特殊的金融企业，是资金的提供方，所以融资问题一直是个瓶颈。”那位资深人士向《金证券》记者表示，典当公司连锁化经营，业务规模增加等都需要大量的资金做支撑。

"Pawn companies belong to special financial enterprise,Is capital provider,So the financing problem has always been a bottleneck."The senior personage to[Gold securities]reporters,Pawn companies chaining management,Business scale increases and so on all need a lot of money do support.

　　而根据《典当管理办法》规定，典当行只能从商业银行进行融资，其融资金额不能超过资本金。

According to[Pawn management measures]provisions,Pawnshop can only from the commercial bank financing,Its financing amount can't more than capital.

　　“以前，聚宝典当是法人股东占主导，现在是自然人股东占多。自然人股东看好行业发展，投钱比较爽快，我们后面还有增资的计划。”王萍透露。

"before,Poly bible as institutional shareholders take,It is of a natural person shareholder.Natural person shareholder value industry development,Cast money is frank,We behind still have capital increase plan."Wang ping revealed.

　　“对典当行来说，资本充裕肯定是一个竞争优势。”上述资深人士向《金证券》记者指出，“目前，典当行增资是一个趋势，今年增资的典当行就有5家，而且增资规模都是上千万的。”

"For to pawn,Capital abundant affirmation is a competitive advantage."The senior personage to[Gold securities]Reporter pointed out that,"At present,Pawnshop endowment is a trend,This year the capital increase pawnshop have five,And add endowment scale are millions of."

　　据了解，南京目前有55家典当行，其中规模在500万元以上的为5家，42家注册资本在1000万至3000万元，另外8家典当行注册资本达到4000万元以上。而江苏钟山典当和江苏汇通典当分别是南京最大的国营和民营典当行，注册资本分别为8000万元和6000万元。

It is understood,Nanjing currently has 55 home pawnshop,The scale is in 5 million yuan of above for five,The registered capital of the 42 in 10 million to 30 million yuan,Another 8 pawnshop registered capital 40 million yuan of above.And jiangsu zhongshan pawn and jiangsu huitong pawn respectively are nanjing's largest state-owned and private pawnshop,The registered capital is 80 million yuan respectively and 60 million yuan.

　　民资更重风险控制 What more heavy risk control

　　民营资本进入典当行业，会碰撞出哪些新火花？

Private capital into the pawn industry,Collide out what new spark?

　　“在人才引进和业务上更加规范和细致了。”王萍谈及自己的感触，“比如，我们会在当期到期前5天就电话通知客户，提醒客户要到期了。碰到客户在外地出差或者没有接电话的，我们还会信函通知。这些工作在以前是没有的，这样做能够尽可能避免资金占用，也能及早了解到潜在风险、增加风险处置机会。”

"In introducing talents and business norms and the more careful."Wang ping about their feelings,"For example,We will in the current period of 5 days prior to the maturity of telephone inform the client,Remind customers will expire.Met clients in the field on a business trip or not pick up the telephone,We will also notice the letter.The work in the past is no,Do as much as possible to avoid capital takes up,Also we can understand the potential risks/Increase risk disposal opportunity."

　　采访中，《金证券》记者了解到，典当行业对人才的引进也开始多元化。记者眼前的聚宝典当的“女掌柜”王萍，就有着大型国有银行信贷部从业15年的资历。“以前典当行工作人员多是带徒弟的方式，现在我们也从银行等其他金融机构招聘高层次人才，加大资金风险的控制。”

interview,[Gold securities]The reporter understands,Pawn industries to the introduction of talents also begin to diversification.Reporter present together when the bible"The female manager"Wang ping,Has a large state-owned bank credit department from 15 years of qualifications."Before pawnshop staff is train an apprentice way,Now we also from Banks and other financial institutions for high-level talents,Increase financial risk control."

　　“民营资本进入后，典当公司的经营更加灵活。现在南京典当行增加了许多新业务，比如奢侈品典当、电子产品典当等。”该资深人士告诉《金证券》记者，“另外，典当行业协会每个季度会办一次经营情况分析会，商贸局和公安局的主管领导也会参加。我们的会员典当行就利用这个机会向主管部门提意见和建议，以此争取行业发展空间。”

"Private capital after into,Pawn the company's operating more flexible.Now nanjing pawnshop increased a lot of new business,Such as luxury pawn/Electronic products pawn, etc."The senior personage tells[Gold securities]reporter,"In addition,Pawn industry association each quarter will do a business circumstance analysis,Business administration and the public security bureau competent leadership will also attend.Our members pawnshop will use this opportunity to the competent department opinion and the suggestion,To strive for industry development space."