■ 本报记者 曹 蓓

S our reporter cao bud

　　《温州金融综合改革实施细则》终于千呼万唤始出来。虽然其中多项政策涉及小贷公司，但具体内容中并未明确提及小贷公司转制村镇银行的相关规定。好在，随后的新闻发布会上传出消息，温州银监分局副局长娄振武透露，小贷公司转为村镇银行或可通过双主发起人来实现。

[Wenzhou financial comprehensive detailed rules for the implementation of the reform]Finally call again and again beginning out.Although many of policy involves little credit company,But in the concrete contents did not specifically mention small credit company villages transformation of the relevant provisions of the bank.fortunately,Then press conference came news,Wenzhou branch silver prison deputy director LouZhenWu revealed,Small loan companies into town bank or through the double main promoter to achieve.

　　“温州金改并不是一个事先确立好的范本，而是一个监管层与温州当地在金融改革实践过程中共同探索的过程”，兴业银行(601166,股吧)首席经济学家鲁政委在接受《证券日报》记者采访时指出，“所以说，小贷公司到底能否转制成村镇银行，并不是一定可以或者一定不行，而是需要各方面结合温州的实际做进一步探讨。”

"Wenzhou gold change is not a prior to establish good template,But a supervision layer and wenzhou local in the financial reform in the process of practice jointly explore process",Societe generale(601166,guba)Chief economist commissar lu in accept[Securities daily]An interview with reporters pointed out,"so,Small credit company transformation of whether into town bank,And not can or must not,But need to various aspects combined with the actual wenzhou do further discussed."

　　小贷公司 Small credit company

　　仍有望转制村镇银行 Transformation of villages and towns are still expected to bank

　　在创新金融改革方面，《细则》除了争取在温州设立财务公司、金融租赁公司、信托公司、消费金融公司等非银行金融机构外，同样支持民营资本进入证券、投资咨询等领域，争取在温州设立证券公司，支持更多的证券、基金、期货公司到温州设立分支机构，并鼓励地方金融机构以控股、参股的方式探索综合经营等。

In the innovation of financial reform,[rules]Except for the establishment of finance company in wenzhou/Financial leasing company/Trust company/Consumer financial company outside the non-bank financial institutions,The same support private capital into the securities/Investment consulting, etc,For the establishment of securities companies in wenzhou,Support more securities/fund/Futures companies to set up branches in wenzhou,And encourage local financial institutions to holding/Participation way to explore integrated management, etc.

　　对于小额贷款公司，《细则》中规定：加快发展新型金融组织，探索小额贷款公司发行中小企业私募债；加强对小额贷款公司、融资性担保公司、民间资本管理公司等机构管理等。

For small loan companies,[rules]Specified in the:Accelerate the development of new financial organizations,Explore small loan companies issuing small and medium-sized enterprise SiMuZhai;Strengthen the small loan companies/Financing guarantee company/The folk capital management company agency management, etc.

　　但是，对于此前热炒的小贷公司转制村镇银行并未提及。

but,After a storm for small credit transformation of company towns bank did not mention.

　　此前10月，温州公布了9家民企发起或升转创办新型金融机构的名录，其中包括首批两家民营小贷公司：苍南联信小额贷款股份有限公司(以下简称“联信小贷”)、乐清正泰小额贷款有限责任公司(以下简称“正泰小贷”)。

After 10 months,Wenzhou released nine corporation initiated or turn up new financial institutions established the list,Including the first two private small credit company:Cangnan federal small loan co., LTD(Hereinafter referred to as"Federal small credit")/Yueqing chengtai microfinance limited liability company(Hereinafter referred to as"Chengtai small credit").

　　但据媒体报道，银监会相关人士表示，银监会小贷公司转村镇银行暂无新政。

But according to media reports,The relevant personage of the banking regulatory commission (CBRC) said,The CBRC small loan companies turn town bank no New Deal.

　　2007年银监会公布的《村镇银行管理暂行办法》规定：“村镇银行最大的股东或者唯一股东必须是银行业金融机构，而最大银行机构的股东持股比例不得低于村镇银行股本总额的20%。”

In 2007, published by the CBRC[Villages and towns interim measures for the administration of the bank]provisions:"Bank villages and towns largest shareholder or the shareholder must be banking financial institutions,And the biggest banking institutions shall not be lower than the shareholder's village bank 20% of the total share capital."

　　今年5月，银监会公布《关于鼓励和引导民间资本进入银行业的实施意见》，明确民间资本进入银行业与其他资本遵守同等条件，支持民间资本参与村镇银行发起设立或增资扩股，并将村镇银行主发起行的最低持股比例由20%降低到15%。同时明确村镇银行进入可持续发展阶段后，主发起行可以与其他股东按有关原则调整各自的持股比例。

In may this year,The CBRC published[About encouraging and guiding the folk capital into the banking of the implementation opinions],Clear the folk capital into the banking and other capital comply with the same conditions,Support the folk capital to participate in villages and towns bank to launch or increase endowment spread,And the Lord did village bank launched the minimum shareholding ratio by 20% to 15%.At the same time clear town bank into sustainable development phase,Lord can launch line with other shareholders according to relevant principles of adjust their shareholding ratio.

　　温州市银监局副局长娄振武在此次新闻发布会表示：“在转为村镇银行的过程中，小贷公司的主要股东之一若作为主发起人，目前与银监会现行的政策有一定抵触，但是作为双主发起人之一是否可行，银监会正在进行有效评估和可行性研究。”

Wenzhou silver inspect bureau deputy director LouZhenWu at the press conference said:"In the process of bank to villages and towns,Small credit company is one of the major shareholders if as the main sponsors,At present the current policies and China banking regulatory commission has certain conflict,But as double main one of the sponsors is feasible,The CBRC is carries on the effective evaluation and feasibility study."

　　温州市金融办主任张震宇表示，温州已有小额贷公司在探索与银行成为“双主发起人”。作为主发起人之一，民资将在村镇银行中更有话语权。

Wenzhou financial do ZhangZhenYu director said,Wenzhou has a small loan companies in exploration and Banks become"Double main promoter".As the main one of the sponsors,What will be in the villages and towns have more right in the bank.

　　温州金改： Wenzhou gold change:

　　首吃螃蟹没有经验可参考 The first to eat crab have no experience can be reference

　　“作为首个示范区，温州金改是一个试验田，并没有成型的经验可以参考。除了大的框架和原则性的规定以外，并不是所有细节都事先确定，而是一个各方不断摸索、不断探讨的结果”，鲁政委指出。

"As the first demonstration area,Wenzhou gold change is a test field,And no experiences can reference.In addition to the large frame and the provisions of the principle outside,Not all details are determined in advance,But a parties by trial and error/The result of continuously probe",Lu zhengwei pointed out that.

　　但是对于小贷公司转制村镇银行，多位专家投赞成票，但是前提是，符合条件的小贷公司才可以转制，而并非所有的小贷公司都合适走这条道路。

But for a small loan companies bank transformation of villages and towns,Several experts and vote,But the premise is,Meet the conditions of the small loan companies can conversion,But not all of the small loan companies are appropriate go this way.

　　全国人大财经委员会副主任委员吴晓灵表示，小贷公司转制村镇银行后将面临三大挑战，包括缺乏吸储公信力挑战存款、缺乏贷款的掌控能力和产品的创新能力。

The financial committee of the National People's Congress vice director of WuXiaoLing said,Small credit company after transformation of village bank will faces three big challenges,Including lack of XiChu credibility challenge deposit/Lack of loan control ability and innovation ability of the products.

　　北京大学金融与证券研究中心主任曹凤岐也认为，温州金融改革提出支持符合条件的小额贷款公司发展成为村镇银行，但是小额贷款公司不一定非要变成村镇银行。

Beijing university of finance and securities research center director CaoFengQi also think,Wenzhou financial reform put forward support qualified small loan companies develop into town bank,But small loan companies must not become town bank.

　　中央财经大学中国银行(601988,股吧)业研究中心主任郭田勇曾表示，现在全国有3000多家小额贷款公司，实际上正履行着部分村镇银行的职责，监管层完全可以考虑将其中一些风险控制好、小额贷款占比高的公司直接升级成为村镇银行。村镇银行有着自身的业务特点，未来可以考虑非银行业金融机构作为村镇银行主发起行的可能性，分担国有大行的压力。

Bank of China, the central university of finance and economics(601988,guba)Industry research center director guo TianYongCeng said,Now the national more than 3000 small loan companies,In fact is to perform the duties of bank villages and towns,Supervision layer can consider some of the risk control/Small loans accounted for more than high company directly upgraded to be a bank villages and towns.Bank villages and towns has its business characteristics,The future may consider the banking financial institutions as a town bank launched the Lord did possibility,Share the state-owned big done pressure.

　　交通银行(601328,股吧)首席经济学家连平也曾在公开场合指出，小额贷款公司在具备一定规模后，业务规范、经营业绩非常好的那一部分公司，应该鼓励其转为村镇银行，并且不一定需要大银行做它的第一大股东，这样才能保证民间资本对小额贷款公司保持热情，从而在一定程度上缓解中小企业融资难的问题。

Bank of communications(601328,guba)Chief economist even flat was also pointed out that in public,Small loan companies in have a certain scale after,Business norms/Business performance very good that form part of the company,The villages and towns should be encouraged to bank,And does not necessarily need big Banks do it the first major shareholders,So that we can guarantee the folk capital to small loan companies keep warm,And to a certain extent, ease the small and medium-sized enterprise financing difficult problem.

　　“事实上，很多小贷公司面对转制村镇银行也并未有多大的热情，甚至可以说多数的小贷公司对转制村镇银行并不积极，而发起人和持股比例成了众多小贷公司观望的原因。”一位小贷公司负责人告诉本报。

"In fact,A lot of small loan companies face the conversion of the villages and towns bank also did not have much enthusiasm,Even most of the small credit company for the conversion of the village bank is not positive,And the originator and shareholding ratio became numerous small credit company wait-and-see reason."A small credit company controller told this newspaper.