见习记者 朱志超 深圳报道

Trainee reporter ZhuZhiChao shenzhen reports

　　小贷公司的监管日趋严格。

Small loan company's regulation strictly.

　　1月21日，本报记者从辽宁省金融办了解到，当地2012年共有68家问题小贷公司被勒令“退出市场”。

January 21,,Our reporter from liaoning financial do to know,The local 2012 a total of 68 problem small credit company has been suspended"Withdrawn from the market".

　　“其他省市也曾出现过清退不合规小贷公司的情况。”华南地区一小贷公司董事长坦陈，“但由金融办正式明文规定"退出机制"，乃至大范围清退"不及格"的小贷公司，辽宁还是第一家。”

"Other provinces and cities appeared not to repel compliance small loan company."A small credit in south China that the chairman of the company,"But the financial do formal expressly provided"Exit mechanism",And a wide range to repel"Don't pass the"Little credit company,Liaoning is the first one."

　　加大监管力度已成常态。据西南地区某金融办人士透露，该地银监局现阶段亦正着手调查各地小贷公司的经营状况，排查小贷行业的风险隐患。辽宁金融办2013年还将加大监管力度。

Increase supervision dynamics has become a common phenomenon.According to the southwest a financial do sources,The CBRC) at the present stage also is investigating all small credit of the company's performance,Small punch credit industry risks.Liaoning financial do 2013 will also increase supervision dynamics.

　　两大违规手段 Two big illegal means

　　“实际上，四川省是首个明确小额贷款公司退出机制的省份。但在执行力度与清理范围上，辽宁省金融办显得更"严厉"。”前述华南地区小贷公司董事长对记者称。

"In fact,Sichuan province is the first clear the exit mechanism of small loans of the provinces.But in the enforcement and cleaning scope,Liaoning province finance to do more"severe"."The small credit in south China, chairman of the company, said to reporters.

　　根据《辽宁省小额贷款公司试点暂行管理办法》的规定，去年辽宁省共取消了46家逾期未开业小贷公司的筹建资格，22家开业小贷公司的经营资格被取消。

According to the[Liaoning province small loan company pilot interim administrative measures]regulations,Last year a total of 46 home in liaoning province cancelled fails to open small loan companies planning qualification,Home and opened a small loan company's business qualification is cancelled.

　　“从上一年来看，辽宁省和内蒙古两地对小贷公司的稽查最为严格。”前述金融办知情人士对记者坦言，“辽宁省向来重视对小贷公司的"奖罚分明"；内蒙古的严查则是缘起去年当地多家小贷公司违规经营。”

"See from the previous year,Liaoning province and Inner Mongolia both sides of small loan companies most strict inspection."The financial do people familiar with the matter said to reporters,"Liaoning province always attach importance to small loan company"Rules for reward and punishment";Inner Mongolia is just last year attracted many local small credit company illegal business."

　　实际上，辽宁金融办对小贷公司的整顿风暴始于2011年8月份。其时辽宁省政府金融办联同各市金融办对全省小额贷款行业展开大范围的清理整顿，提出对不合规的小贷企业下发整改通知书与风险提示，责令各市金融办督促其限期整改，在短短四个月内淘汰了14家“不合格”的小贷公司。在去年7月份前，辽宁省已将严重违规的49家小贷公司清出市场。

In fact,Liaoning financial do for small loan companies rectify the storm began in August 2011.Meanwhile liaoning provincial government financial do in conjunction with various cities financial do for the microfinance industry on a wide range of rectification,Puts forward to compliance of small credit enterprise issued rectification notice and risk warning,Shall be ordered to various cities financial do urge its deadline rectification,In just four months out and home"The unqualified"Little credit company.In July last year before,Liaoning province has serious illegal and small loan companies clear the market.

　　据前述金融办人士透露，2013年辽宁将延续对小贷公司的“质量监控”。

According to the financial do sources,In 2013, liaoning will continue to small credit company"Quality monitoring".

　　某市金融办人士对记者称，“非法集资现象现时已比较罕见，小贷行业的乱象主要来自于两类违规的经营手法：一是缘于其追逐利润的天性，其贷款利率超过基准利率的4倍；二则是大量抽逃资本金。”

City financial do people said to reporters,"Illegal financing phenomenon now is rare,Small credit industry disorderly like mainly comes from the two kinds of illegal operation technique:One is due to its profit-seeking nature,The loan interest rate more than 4 times the benchmark interest rate;Next was a lot of smoke escape capital."

　　据一接近辽宁省金融办人士透露，自整治以来辽宁省监管层特别注重对“空壳”小贷公司的排查。“按照监管办法，抽逃资本金达80%以上的小贷公司会被驱逐出市场。前年清退了该类性质的小贷公司14家，去年是7家。而批复后长期没有开业的"空壳公司"将被直接清理出局。”

According to a close to liaoning financial do sources,Self improvement in liaoning province since the supervisor to pay special attention to"shell"Small loan companies regularly."According to the regulation,Smoke escape capital of more than 80% of small loan companies will be expelled from the market.The year before last year to repel the properties of small loan companies and home,Last year was the home.And after approval for a long time did not open"Shell company"Will be direct cleaning out."

　　“现在不少地方的金融办只有对小贷公司开业的批复机制，而没有设立退出门槛。”一小额信贷联盟人士对记者说，“行业乱象越来越多，退出机制亦应打通，让不合格的小贷公司有序地退出。”

"Now a lot of local financial do only for small business credit company's reply mechanism,And without a exit threshold."A small credit union people told reporters,"As more and more about the industry,Exit mechanism should also be get through,Let not qualified small loan companies and orderly exit."

　　“金融办仅能取消小贷公司的经营资格，只有联同工商局合力查办方能取缔不合规的小贷公司。”前述金融办人士诉说其无奈，“目前仅部分地方法规对小贷公司的退出机制有详细阐述，我亟待全国范围内统一行业标准。”

"Financial do can only cancel small loan company's business qualification,Only in conjunction with industrial and commercial bureau investigation can not force on compliance of small loan companies."The financial do people tell the helpless,"Currently, only part of the local laws and regulations for small loan companies have exit mechanism in detail,I am to be a nationwide uniform industry standard."

　　据记者不完全统计，除辽宁省外，山东省、山西省、甘肃省、浙江省、黑龙江省、河北省、宁夏回族自治区等亦正着手或已完成对不合规小贷公司的摸底调查，从而有针对性地设立不达标机构的退出机制。

According to the reporter incomplete statistics,In addition to the liaoning province,Shandong province/Shanxi Province/Gansu province/Zhejiang province/Heilongjiang province/Hebei province/Ningxia hui autonomous region also is beginning to or has completed to compliance small credit company a baseline survey,And then set up the mechanism not exit mechanism.

　　不及格率40% 'd 40%

　　实际上，为加强监管各地金融办已在谋划“奇招”，部分地区正着手开展对本地小贷公司实行评级制度。

In fact,For strengthening the supervision of all financial do has set up a file in the plan"Odd recruit",Part of the area is to research on local small credit company implements the rating system.

　　记者了解到，辽宁省金融办于2012年用25个指标对小贷公司进行评级，只有不到20%的小贷公司达A级，不及格率则超过40%。

The reporter understands,Liaoning province in 2012 financial do with 25 indicators for small credit rating companies,Less than 20% of the small loan companies reach A level,'d more than 40%.

　　而去年浙江省亦开始布局对小贷公司的评级工作。据公开资料，2012年8月份，杭州市金融办与人民银行杭州支行联合开展杭州市小贷公司的信用评级试点工作。其中仅24%的小贷公司可获得A+的评级。

Zhejiang province last year also started to layout for small credit rating company work.According to public information,In August 2012,Hangzhou financial do and the people's bank of hangzhou branch combine to hangzhou small loan company's credit rating pilot work.Only 24% of small loan companies can gain A + rating.

　　此外，部分地区的监管部门还对该地小贷公司实行实时动态信息监管。

In addition,In parts of the supervision department of the small loan companies implement real-time dynamic information supervision.

　　早在2011年中，辽宁省已上线小贷公司动态监管系统，以实现对全省小贷公司的财务系统、信贷系统等的监管。

As early as 2011 years,Liaoning province has online small credit company dynamic supervision system,In order to realize for the small credit of the company's financial system/The credit system and supervision.

　　江西省亦在去年5月制定《江西省小额贷款公司监督管理办法》，着手建立小额贷款公司综合管理信息系统，以实现监管部门与小贷公司联网的实时监管。据记者了解，该综合管理信息系统下，小贷公司每笔业务的详细情况、贷款利率、贷款用途、还款情况以及小贷公司的贷款余额等信息将会及时更新。

Jiangxi province in May last year also formulated[Jiangxi micro-credit company supervision and management measures],To establish small loan company integrated management information system,In order to realize the supervision department with small credit company network real-time supervision.According to reporter understanding,The comprehensive management information system,Small loan company details of each business/Loan interest rate/Loan use/Repayment condition and small loan company's loan balance and information will update.

　　“对于出现严重违规行为的小贷公司，金融办会下令限期整改，公司被列入黑名单，相关企业和人员日后不能再涉入该行业。”一接近江西金融办的知情人士透露。

"For serious violations of small loan companies,Financial do will be ordered rectification within a time limit,The company is on the black list (blacklist,Related enterprises and personnel in the future can't involved in this industry."A close to jiangxi financial do people close to the situation said.