公益小贷机构存在的法律地位问题，被业界认为是阻碍其通过融资，扩大发展规模的一大瓶颈。而在法律地位不明确的背景下，迫于发展的压力，不少公益小贷开启了转制之路。

Public small credit organizations are the legal status of the problem,Is now considered hinder its through the financing,Expand the scale of the development of a bottleneck.And in the legal status of clear background,Under the pressure of development,Many public small credit opened the conversion of the road.

　　“我们计划明年能够尽快完成转制，转成商业小贷公司，解决令人头痛的资金问题。”陕西省西乡县妇女可持续发展协会秘书长秦秀平对《第一财经日报》记者表示，备受融资困扰的她对于转制有较为坚定的想法。

"We plan to complete the conversion of the next year as soon as possible,To small business credit company,To solve the problem of funds of headache."Shaanxi xixiang county women's sustainable development association secretary general of QinXiuPing[The first financial daily]reporters,The financing problems for her transformation of a relatively firm ideas.

　　为了解决融资问题，一些公益小贷已经选择了转制。但在业界看来，如果转制之后，走商业小贷的道路，追求经济效益而放弃社会效益，转制的意义就不大了。而在秦秀平看来，公益小贷机构转制寻找“志同道合”者尤为重要。

In order to solve the financing problem,Some public small loans have chosen conversion.But it seems in the industry,If after the transformation of,Go the way of small business loans,The pursuit of economic benefit and social benefit to give up,The transformation of, then it has no signification.And in QinXiuPing looks,Public small credit mechanism for conversion"some"Is particularly important.

　　为打破融资的局限，很多公益小贷机构希望能够转制。

To break the limitations of financing,Many public small credit mechanism transformation of hope to be able to.

　　例如，甘肃省定西市安定区民富鑫荣小额贷款服务中心，就是由安定区城乡发展协会转制而来。由于之前存在资金归属不清楚、产权不明晰以及治理结构混乱等问题，该协会决定转制为民办非企性质的小额贷款信贷服务中心。

Such as,Gansu province dingxi area during stable residents rich xin rong microfinance service center,Is the stability zone urban and rural development and transformation of society.Due to the existing before capital ownership is not clear/The property rights are not clear and governance problems such as chaos,The association for the conversion of the private enterprise to the nature of the small loan credit service center.

　　与民富鑫荣小贷服务中心不同的是，宁夏盐池县妇女发展协会则直接选择改制成为小额贷款公司。

And the people rich and the small credit service center is different,In yanchi of ningxia women development association is directly choose changed into a small loan companies.

　　中国小额信贷联盟理事长杜晓山称，公益小贷机构转制，不要强求。“实际上不在于转制与不转制，而在于定位是什么。”

China's small credit union chairman DuXiaoShan says,Public small credit institution transformation,Don't try."In fact is not with the conversion of the transformation of not,But in positioning is what."

　　对此，秦秀平表示：“现在找我们的股东很多，但是我转制商业小贷之后，贷款的宗旨和目标，是不会变化的。我们还在筛选，希望能够找到"志同道合"者。”她还表示，对一些基金会相对感兴趣，因为扶贫助农的目标可能会一致。

this,QinXiuPing said:"Now we find the shareholders a lot,But I business transformation of small credit later,The aims and objectives of the loan,Won't change.We also in screening,Hope to be able to find"some"person."She also said,For some foundation relative interested,Because of the poverty alleviation help farmers goal can be consistent.

　　也有专家建议，由于转制成为商业小贷门槛太高，部分公益小贷机构可以转制成为民办非企。不过，民办非企依然难以解决资金来源的问题。

Have expert advice,Due to the conversion of the small business credit as the threshold is too high,Part of the public small credit institutions may not be the conversion of the private enterprises.but,Private enterprises are still not difficult to solve the problem of funds.

　　秦秀平向记者称，西乡县妇女发展协会想要转制成为商业小贷公司，关键是要达到门槛。据了解，当地小贷公司最低的注册资金在3000万元，门槛相对较高。不过对于秦秀平而言，如果转制成功，至少不用再为融资发愁，还可以继续引入并培养人才，专心为农户提供创业资金。

QinXiuPing said to reporters,Xixiang county women development association want to become business transformation of small loan companies,The key is to reach the threshold.It is understood,Small local credit company minimum registered capital of 30 million yuan,Threshold relatively high.But for QinXiuPing concerned,If successful transformation of,At least don't have to worry about finance,Still can continue to introduce and cultivate talents,For farmers to provide venture capital.