沪上首家外资小额贷款公司正式落地。

Shanghai first foreign micro-credit company official fall to the ground.

　　昨日，上海第一家沪港合作的小额贷款公司——上海浦东新区亚联财小额贷款有限公司（下称“上海亚联财小贷”）正式开业，该小贷公司注册资本金2亿元人民币。这也是上海首家使用跨境人民币出资设立的小贷公司。

yesterday,The first company in Shanghai port of Shanghai cooperation micro-credit company -- Shanghai pudong new area and the league wealth small loan co., LTD(Hereinafter referred to as"Shanghai the league money little credit")Officially opened,The small credit the registered capital is 200 million yuan RMB.This is also the first cross-border yuan use Shanghai invest to set up a small loan companies.

　　上海亚联财小贷由香港亚洲联合财务有限公司（下称“亚洲联合财务”）与上海陆家嘴(600663,股吧)金融发展有限公司、上海外联发实业发展有限公司三方合资开设；其中，亚洲联合财务持股比例70%。

Shanghai the league wealth small loans by the Hong Kong Asian joint financial co., LTD(Hereinafter referred to as"Asian joint financial")And Shanghai lujiazui(600663,guba)Financial development co., LTD/Overseas LianFa industrial development co., LTD., a joint venture set up three parties;the,Asian joint financial shareholding ratio by 70%.

　　“上海亚联财小贷是沪上第一家外资股东的小贷公司，目前还有一些来自境外的资本正在与我们推进商谈过程中。”上海市金融办相关负责人昨天对《第一财经日报》说，“我们希望小贷公司股东方有所扩展，对外地和境外资本的加入持开放态度。”

"Shanghai the league wealth small credit is the first foreign shareholder Shanghai a small loan companies,At present, there are also some from foreign capital is in the process of promoting our negotiations."The relevant person in charge of financial do yesterday[The first financial daily]said,"We hope that the little credit company shareholders have extended,Foreign and foreign capital to join the open attitude."

　　“对小贷公司资本多元化开放的背景还在于，监管部门希望看到境外人民币的回流渠道有所拓宽。”上述上海市金融办人士说。

"For small credit company capital diversified open background is also,Regulators want to see foreign RMB backflow channel to be extended."The Shanghai financial do people say.

　　目前，亚联财小额贷款有限公司（下称“亚联财小贷”）已多次将香港市场融入资金在境内发起设立小贷公司或对已有小贷公司增资扩股，涉及资金约在40亿元。

At present,The group money small loan co., LTD(Hereinafter referred to as"The small credit union money")Already many times to the Hong Kong market into the fund established in China small loan companies or to have small loan companies increase endowment spread,Involved in capital investment about 4 billion yuan.

　　同时，主发起人持股比例也有明显突破。根据最初规定，小额贷款公司“单个主要发起人及其关联方合计持股不得超过20%”；而到2010年修订的上海市《关于促进本市小额贷款公司发展的若干意见》中，这一表述更改为“单个主要发起人及其关联方合计持股原则上不得超过30%”。

At the same time,The main sponsors shareholding ratio also have apparent breakthrough.According to the original provisions,Small loan companies"A single main sponsors and their affiliates aggregate shareholding shall not exceed 20%";By 2010 revision of the Shanghai[To promote the city of small loan companies development certain opinions]in,This statement for change"A single main sponsors and their affiliates aggregate shareholding shall not exceed 30%".

　　但此次上海亚联财小贷公司的大股东持股比例高达70%。“政策会有所灵活运用，目前上海已有单一股东全资设立的小贷公司。”上述金融办人士透露。

But the Shanghai and united wealth small credit company shareholder shareholding ratio as high as 70%."Policy would be agile use,At present Shanghai for a single shareholder set up wholly owned small loan companies."The above financial do sources.

　　对于呼声一直很高的提高小贷公司融资比例，上述金融办人士对本报记者说：“目前上海地区小贷公司从外部融入资金的比例平均在25%左右，何时扩大融资比例、扩大到何种比例，都需要仔细研究。”

For the call has been very high improve small credit company financing proportion,The financial people do to our reporter said:"At present the Shanghai area small loan companies from outside into the proportion of funds by 25% on average,When to expand the financing scale/Expand to what proportion,All need careful study."

　　一直以来，小贷公司普遍反映受制于融资渠道和融资比例、后续资金来源缺乏等。根据规定，小额贷款公司资金来源主要为股东缴纳的资本金、捐赠资金，以及来自不超过两个银行业金融机构的融入资金，融入资金余额不超过资金净额的50%。

Has been,Small loan companies generally reflect subject to financing channels and financing proportion/Lack of follow-up funding sources.According to the regulation,Small loan company capital source mainly for shareholders to pay capital/Donated funds,And from no more than two of the banking financial institutions into the capital,Into the fund balance not more than 50% of the net capital.

　　“小贷公司融资比例应该逐步开放，可以在目前情况下先放大到不超过资金净额的100%。”亚洲联合财务董事总经理及行政总裁、亚联财小贷董事长张炳煌对本报称，“同时，还要加快推进小贷公司接入央行征信系统，以及完善对不规范经营小贷公司惩处的法律规范。”

"Small loan company finance ratio should be gradually open up,In the present situation to enlarge to no more than 100% of the net capital."Asian joint financial director general manager and chief executive/The group chairman of the board of directors ZhangBingHuang wealth small loans to the said,"At the same time,To accelerate the small loan companies access the central bank credit reporting system,To standardize the operation and perfect small credit company of any of the legal norms."

　　本报记者昨日获悉，截至目前，上海已有101家小贷公司获批成立，其中88家已经开业，注册资本金131亿元，累计放贷72亿元，贷款余额151亿元，贷款余额中投向“三农”和小企业贷款占到七成。

Our reporter learned yesterday,So far,Shanghai has 101 small credit company was approved,The 88 has been started,Registered capital of 13.1 billion yuan,Total has 7.2 billion yuan,Loan balance is 15.1 billion yuan,The outstanding balance of the loans to"Agriculture, countryside and farmers"And small business loans accounted for seventy percent.