章文贡

ZhangWen gong

　　近日，中国人民银行副行长潘功胜在其发表的署名文章中称，金融市场整体竞争程度的提高以及适当增加微型金融机构的数量有利于中小企业获得资金。

recently,The people's bank of China deputy governor PanGong wins in the article published signature said,Financial market whole competition degree of improvement and increasing the number of micro financial institutions to small and medium-sized enterprise to obtain funds.

　　“目前村镇银行数量已达到800多家，小贷公司数量达到5900多家。”潘功胜称，近年来加快发展了服务小微企业的微型金融组织。

"At present the number village bank has reached more than 800 home,Small loan company number more than 5900 home."PanGong - say,In recent years to speed up the development of the service small micro enterprise in micro-financing organizations.

　　所谓微型金融，与传统意义上的以城市和工业化为对象的金融服务所不同，是指专门针对低收入的人口和微型企业而建立的金融服务体系。在国内，村镇银行、小贷公司、资金互助社等被普遍视为微型金融机构的组成部分，其中又以村镇银行、小贷公司为主体。

The so-called microfinance,And the traditional urban and industrial into financial services of the object is different,Refers to the specific to low-income population and miniature enterprise and establish financial service system.In China,Town bank/Small loan companies/Such as mutual cooperative is generally regarded as part of the micro financial institutions,Especially the town bank/Small loan companies as the main body.

　　潘功胜透露的数据显示，截至2012年11月末，村镇银行贷款余额2205亿元，比年初增长69%，较2010年末增长2.7倍；小贷公司贷款余额5637亿元，比年初增长44%，较2010年末增长1.9倍。

PanGong - revealed data display,By the end of 2012 and the end of the month,Town bank loan balance is 220.5 billion yuan,Growth of 69% a year earlier,More by the end of 2010 increased by 2.7 times;Small loan company loan balance is 563.7 billion yuan,Growth of 44% a year earlier,More by the end of 2010 increased by 1.9 times.

　　这意味着，村镇银行、小贷公司这两类金融机构的贷款余额合计7842亿元。

This means that,Town bank/Small loan companies these two types of financial institutions of the outstanding balance of the loans amounted to RMB 784.2 billion in total.

　　作为民间资本进入金融行业的一道大门，小贷公司、村镇银行等素来备受民间资本的青睐。近年来，商业银行信贷规模受到严格控制，小微企业的贷款需求更加难以得到满足。银行的离场，给小贷公司、村镇银行等机构提供了舞台。

As a private capital into the financial industry's door,Small loan companies/Bank villages and towns have the folk capital favor.In recent years,Commercial bank credit scale strictly controlled,Small micro enterprise loan demand more difficult to satisfy.The bank off,To small loan companies/Village Banks and other institutions to provide the stage.

　　统计数据显示，截至2012年11月末，银行业金融机构的人民币贷款余额62.54万亿元，同比增长15.7%。同期，村镇银行69%和小贷公司44%的贷款增速远远高于银行业的水平。

Statistics show,By the end of 2012 and the end of the month,Banking financial institutions RMB loan balance is 62.54 trillion yuan,Year-on-year growth of 15.7%.Over the same period,Town bank 69% and small loan companies 44% of the loan growth is far higher than the level of the banking industry.

　　一方面，从增速上看，微型金融机构的增速高于银行业，但另一方面，基数上看，这些机构的贷款规模又远远小于银行业。

On the one hand,Look from the growth,Microfinance institutions of higher than the growth of the banking industry,But on the other hand,Base on the,The mechanism of the size of the loan and far less than the banking industry.

　　“继续加快发展面向小微企业的微型金融组织。”潘功胜称，尽管这几年村镇银行、小贷公司等微型金融组织的发展值得肯定，但总体来看，小微金融机构仍较为缺乏，尚未形成充分竞争的服务小微企业的金融组织体系。

"Continue to speed up the development of small micro enterprise in micro-financing organizations."PanGong - say,Although in recent years the bank villages and towns/Small loan companies, such as the development of micro-financing organizations is sure,But overall,Small micro financial institutions remain relatively lack,Has not yet become fully competitive service small micro enterprise financial organization system.

　　得益于微型金融机构的发展、直接融资渠道的拓宽等原因，近年来小微企业信贷融资规模和市场份额增长较快。

Thanks to the development of micro financial institutions/Direct financing channels broaden and other reasons,In recent years small micro enterprise credit financing scale and market share is growing rapidly.

　　“2012年前11个月，小、微企业贷款增速分别比大、中型企业高9.7个和3.7个百分点。”潘功胜透露的数据还显示，按照可比口径统计，2009年一季度末，小、微企业贷款(人民币)余额合计为5.06万亿元，占全部企业贷款的比重为21.6%；2012年11月末，小、微企业贷款余额合计达到11.5万亿元，累计增长2.3倍，占比上升到28.7%；同期大、中企业贷款余额累计增长1.6倍，占比从78.4%下降到71.3%。

"2012 years ago 11 months,small/Micro enterprise loan growth than the big respectively/Medium-sized enterprise high 9.7 and 3.7%."PanGong - revealed data also show,According to the comparable caliber statistics,At the end of the first quarter of 2009,small/Micro enterprise loans(RMB)Balance amounted to RMB 5.06 trillion,The proportion of the total enterprise loan is 21.6%;At the end of November, 2012,small/Micro enterprise loan balance amounted to 11.5 trillion yuan,Cumulative increased by 2.3 times,Than of up to 28.7%;The big/The enterprise loan balance cumulative increased by 1.6 times,Accounts for more than dropped from 78.4% to 71.3%.