本报记者 李伊琳 上海报道

Our reporter li YiLin Shanghai reports

　　“温州小贷公司发行私募债计划的政策已经获批！是特批！”在《浙江省温州市金融综合改革试验区》12条细则公布之际，温州市金融办主任张震宇的讲话透着喜悦。

"Wenzhou small loan companies issuing SiMuZhai planning policy has been approved!Is notarized!"in[Zhejiang wenzhou financial comprehensive reform pilot area]Article 12 the published rules,Wenzhou financial do director ZhangZhenYu speech through with joy.

　　“小贷公司那么迫切想转村镇银行，原因不外乎急于解决融资困局。”浙江省金融监管机构人士近日透露，小额贷款公司转村镇银行几乎是创办者清一色的诉求，也是他们当年争相拿到小额贷款牌照的初衷。“发私募债获批，相当于局部解决了小贷公司再融资渠道。”

"Small loan companies so desperately want to turn town bank,For no better reason than to solve the financing predicament."Zhejiang financial regulators people recently revealed,Small loan companies turn town bank is almost all founder appeal,Is that they get small loans to the original license."Hair SiMuZhai approved,To solve the equivalent of local small credit company and financing channels."

　　私募债破局 SiMuZhai broken bureau

　　“温州对小贷公司根据注册资本10%的放贷额度，早就突破。”浙江金融监管机构人士介绍，浙江区域内多地小贷公司的贷款额度可以达到资本净额的100%甚至200%。

"Wenzhou small loans to the registered capital of the company according to 10% of the amount of loans,Early breakthrough."Zhejiang financial regulators personage introduction,Zhejiang area more small credit company loans can achieve net capital of 100% or 200%.

　　小微企业的融资生态依然严峻，记者采访8名工厂已经停业的小微企业主，绝大多数人称停业是因为融资难题。市场有强烈的资金需求，而小贷公司有限的放贷额度远远不够。启动私募债计划既是突破，亦是无奈之举。

Small micro enterprise financing ecological is still severe,Reporters eight factories have closed little micro business owners,Most person out of business because of financing problems.The market has a strong fund demand,And small credit company limited lending limit is far from enough.Start SiMuZhai plan is breakthrough,Is also trepidation.

　　温州当地金融办的公开数据显示，9月底，温州已开业运营的30家小额贷款公司，平均注册资本金达2.65亿元，高于浙江省平均水平，更高于国内平均水平。同期全国小贷公司平均注册资本金为0.83亿元。

Wenzhou local financial do public data display,By the end of September,Wenzhou has practice operation of the 30 small loan companies,Average registered capital of 265 million yuan,Higher than the average level of zhejiang province,More higher than the national average level.Over the same period the small credit company average registered capital is 083 million yuan.

　　而从贷款规模来看，温州小贷公司亦远高于全国水平。数据显示，温州30家小贷公司可贷资金规模9月底达125亿元，平均可贷款规模为4.17亿元，而全国平均水平仅0.95亿元。

From the size of the loan to see,Wenzhou small loan companies also far higher than the national average.Data display,Wenzhou 30 small credit company loanable funds scale up to 12.5 billion yuan at the end of September,An average of the size of the loan for 417 million yuan,And the national average of only 095 million yuan.

　　以瑞安华峰小额贷款公司为例，该公司可贷资金已达14.7亿元。此规模虽然已经达到村镇银行等小银行的经营规模，但自其今年4月上报村镇银行转制申请，至今仍遥遥无期。

With Ryan huafeng micro-credit company as an example,The company loanable funds has reached 1.47 billion yuan.Although the scale has reached town Banks and other small Banks business scale,But since the village bank in April this year to the conversion of the application,Still nowhere in sight.

　　根据国务院常务会议3月28日批准实施的《浙江省温州市金融综合改革试验区总体方案》，浙江省政府对应制订了“省12条”具体实施方案。该细则重点解决了小额贷款公司再融资问题，即通过发行小额私募债的方式进行再融资。

According to the state council executive meeting of 3 months and days of the implementation of the approved[Zhejiang wenzhou financial comprehensive reform pilot area overall scheme],Zhejiang provincial government has made the corresponding"Article 12 provinces"The concrete implementation plan.The rules is mainly to solve the small loan companies refinancing problem,That is, through the way of issuing small SiMuZhai refinancing.

　　此前张震宇也曾多次提到中小企业私募债，表示会争取第一批试点落户温州，他认为，中小企业私募债是“金改”中健全民间资本市场体系的一个重要内容，而小贷公司私募债则是中小企业私募债的核心部分。

After ZhangZhenYu have mentioned it many times SiMuZhai small and medium-sized enterprises,Said the first batch of pilot will strive for in wenzhou,He thinks,Small and medium-sized enterprise SiMuZhai is"Gold to"Sound in the folk capital market system is an important content,And small loan companies SiMuZhai is small and medium-sized enterprise SiMuZhai core part.

　　如今，温州如愿获得特批。

now,Wenzhou do get notarized.

　　“变身”银行困难重重 "Cinderella"Bank difficulties

　　“当初积极申请小贷公司牌照，就是冲着未来可能转制村镇银行去的。”温州正泰小额贷款公司一企业股东代表称。银行可以吸收存款，但小贷公司的运营只能主要依赖股东出资和银行贷款。

"At the beginning actively apply for small credit company licence,At possible future is transformation of villages and towns of the bank."Wenzhou chengtai small loan companies a enterprise shareholder representative said.Banks can take deposits,But little credit company's operation can only rely primarily on shareholder investment and bank loans.

　　根据温州当地金融办的公开信息，9月底，温州已经开业了30家小额贷款公司，正在筹建22家，注册资本金总额79.6亿元，净资产总额97.2亿元。根据监管条例，当地小贷公司可贷资金规模124.5亿元，贷款余额119.7亿元。

According to the wenzhou local financial do open information,By the end of September,Wenzhou has already opened for business 30 small loan companies,The home is 22,The total registered capital of 7.96 billion yuan,Net assets total 9.72 billion yuan.According to the regulations,Small local credit company loanable funds of 12.45 billion yuan,Loan balance is 11.97 billion yuan.

　　不过，如此之高的贷款比例，相对于市场需求仍如杯水车薪，而小贷公司自身却融资无门。

but,Such a high proportion of loans,Relative to the market demand is still such as ocean,And small loan companies themselves are not financing.

　　而地方政府参与进来，并力推小贷公司向村镇银行变身，目的有两个，一为推动当地小贷公司发展，同时还能为实体企业排忧解难，拉动地方经济。毕竟，温州当地清一色的民间资本因为入场小贷公司而得以触摸“正规”金融的边缘，这一政策本身便是突破，同时也成为民资投融资的一大出口。

But local governments involved,And push small credit company to town bank Cinderella,Objective there are two,A small local credit to promote the development of the company,At the same time also can troubleshoot entity enterprise,Pull the local economy.After all,Wenzhou local folk capital because of all the small loan companies and be able to touch"normal"Financial edge,The policy itself is the breakthrough,At the same time also become what a great export financing.

　　“银行的牌照，哪那么容易拿？”温州中小企业促进会会长周德文称，金改区刚设立之际，温州很多小贷公司对转制村镇银行的意愿强烈，期待政策上有所突破，不过随着时间推移，小贷公司积极性递减。

"Bank's licence,Which is so easy to take?"Wenzhou small and medium-sized enterprises promotion association President ZhouDeWen says,Gold change area just the establishment,Wenzhou many small loan companies to the will of the transformation of village bank strongly,Looking forward to a breakthrough in the policy,But with the passage of time,Small loan company enthusiasm decline.