计划以再融资中心为平台，先行汇集一个资金池，实现小贷公司同业拆借调剂，利率以Shibor为基准。此外，还计划以浙江股权交易中心为平台，以几家小贷公司联合的形式发行集合债或单独发行私募债。以再融资中心为平台，发行小贷公司私募股权也在计划之列。

Plan to refinance center as a platform,First collected a pool,To realize the little credit company interbank lending dispensing,Interest rates to Shibor for reference.In addition,Also plans to zhejiang equity trading center as a platform,With a few small loan companies issued in the form of debt or issue SiMuZhai set alone.To refinance center as a platform,Issue small credit company private equity are also among the plan.

　　⊙见习记者 高翔 ○编辑 枫林

⊙ trainee reporter towering ○ editing bush

　　本报记者获悉，为扩宽温州市小贷公司的融资渠道，温州市拟以法人身份，建立温州市小贷公司再融资中心（以下简称“再融资中心”）。

Our correspondent has learned that,Wenzhou small loans to broaden the financing channels of the company,Wenzhou fitting with the corporate identity,Establish wenzhou small loan companies refinancing center(Hereinafter referred to as"Refinancing center").

　　以该中心为平台，计划先行汇集一个资金池，实现小贷公司同业拆借调剂，利率以Shibor（上海银行间同业拆借利率）为基准。此外，还计划以浙交所（浙江股权交易中心）为平台，以几家小贷公司联合的形式发行集合债或单独发行私募债。以再融资中心为平台，发行小贷公司私募股权也在计划之列。

To the center as a platform,Plan ahead together a pool,To realize the little credit company interbank lending dispensing,Interest rates to Shibor(Shanghai interbank loan interest rates)As a benchmark.In addition,Also plans to hand in the zhejiang(Zhejiang equity trading center)As a platform,With a few small loan companies issued in the form of debt or issue SiMuZhai set alone.To refinance center as a platform,Issue small credit company private equity are also among the plan.

　　目前，由于再融资中心尚未建立，正在实行的是小贷公司相互间的信用借款，需得到浙江省金融办的批准，并由温州市金融办进行风险监控。

At present,Due to the refinancing center is yet to be established,Is the small credit company mutual credit loan,To obtain the approval of the financial do in zhejiang province,And the wenzhou financial to risk monitoring.

　　同业拆借调剂 Interbank lending a

　　温州市目前有31家小贷公司，正在筹备的还有22家，贷款的余额在120亿左右。

Wenzhou there are 31 small loan companies,Is organizing and 22 home,The balance of the loan at around 12 billion.

　　以再融资中心为平台的第一步，是要实现温州小贷公司之间的同业拆借调剂。

To refinance center as the platform of the first step,Is to realize the wenzhou small credit company between interbank lending dispensing.

　　温州市金融办副主任、地方金融监管局副局长马兴对本报记者表示，有的小贷公司资金比较充裕，有的却对资金有需求。温州市计划以再融资中心为平台，由有意向的小贷公司出资，汇集一个资金池，存放于银行的托管账户。

Wenzhou financial to do vice director/Local financial supervision bureau deputy director MaXing to our reporter said,Some small loan company funds is abundant,But some of the money it needs.Wenzhou plan to refinance center as a platform,With the intention of small credit investment company,Collected a pool,Deposited in the bank's custody account.

　　“每家小贷公司的借款额度，是以它自身的出资额为基础的。”马兴举例说，“比如一家小贷公司先前出资1000万，那么在此额度内能随支随用。1000万以上，就需要进行审批。借款额度越高，利息会相应上浮。拆借资金的利率，计划以Shibor（上海银行间同业拆借利率）为基准。”

"Each small loan company's borrowing limit,Based on its own capital contribution of the foundation."MaXing for example,"Such as a small loan company invested 10 million previously,So in the line with the branch can with use.More than 10 million,They require approval.The higher the amount of borrowing,Interest will be corresponding separation.Lending money interest rates,Plan to Shibor(Shanghai interbank loan interest rates)As a benchmark."

　　同业拆借调剂计划以一个线上软件系统为基础，使小贷公司能实时查询资金需求、供给状况，线上完成同业拆借业务审批、运行、清算等功能。

Interbank lending dispensing plan to an online software system as the foundation,Make small loan companies can real-time inquires the fund demand/Supply situation,Online complete interbank lending business approval/operation/Liquidation function.

　　目前，由于再融资中心尚未建立，因此该平台还没有搭建起来，正在试行的是小贷公司相互间的信用借款。温州市小贷协会一方面线下收集小贷公司剩余可放资金的信息，另一方面汇总有资金需求的小贷公司，进行配对，同时报送浙江省金融办，并由温州市金融办进行风险监控。截至12月中旬，相互借款数量达到8000余万。

At present,Due to the refinancing center is yet to be established,So the platform have not set up to,Is a trial is a small loan company mutual credit loan.Wenzhou small credit association hand offline collect small credit company surplus funds can be put on the information,On the other hand summary has the capital requirements of small loan companies,match,At the same time submit the financial do in zhejiang province,And the wenzhou financial to risk monitoring.By the middle of December,Mutual borrowing number more than to 8000.

　　温州市小贷协会一位工作人员表示，由于银行贷款审批期限长，目前有资金借入需求的小贷公司大多是在一笔贷款到期、续贷资金又尚未到位的情况下，向其他小贷公司借款以用于资金周转，平均期限不长。

Wenzhou small credit association a staff said,Due to the long term bank loans for examination and approval,There are funds borrowed needs of small loan companies are mostly in a loan maturity/Continue to borrow fund not yet in place of the case,To other small credit company loan used in the turnover of funds,The average time is not long.

　　拟发行集合债及私募股权 Intends to issue debt collection and private equity

　　不过，同业拆借调剂只能缓解小贷公司短期流动资金的需求。要寻求稳定的资金来源，需要利用资本市场。温州金融办主任张震宇曾表示，来自资本市场的资金期限长、利率固定、资金可操控性强，是温州小贷公司融资方式创新的重点。

but,Interbank lending dispensing can only alleviate small credit company short-term liquidity needs.To seek stable source of funds,Need to use the capital market.Wenzhou financial do ZhangZhenYu director said,From the capital market capital long term/Fixed rate/Money can control the gender is strong,Wenzhou small credit company financing innovation focus.

　　马兴向记者介绍，未来计划联合3到5家小贷公司，以浙交所为平台发行集合债。他表示：“假如单家小贷公司规模偏小实力偏弱，就由几家抱团，发行集合债券。目前还在论证的环节是，要是出现违约，投资者来追索，各家小贷公司的责任边界在哪里？是由一家公司负责还是几家公司共同承担？”

MaXing introduces to the reporter,Future plan combined three to five small loan companies,To pay for zhejiang platform issue debt collection.He said:"If single small credit company small scale strength weak,By several BaoTuan,Issue bonds set.At present is still in discussion of the link is,If the defaults,Investors to recover,Each small loan company's responsibility boundary in where?Is responsible for the company or companies jointly?"

　　除通过债权融资，另一个计划是小贷公司发行私募股权。马兴强调，由小贷公司自行发行私募股权风险较大，或难以摆脱非法集资的嫌疑。因此，计划以再融资中心为平台，通过集合信托等方式，筹集这些资金，再注入到下面的小贷公司，这样就能解决合法性的问题。

In addition to the creditor's rights financing,Another program is small loan companies issuing private equity.MaXing emphasize,The small credit issued by private equity risk is bigger,Or is difficult to get rid of the illegal suspected of capital.so,Plan to refinance center as a platform,Through the collection of trust, etc,Raise these funds,Then injected into the small loan companies,So that it can solve the problem of legitimacy.

　　不论是以债权或股权的方式筹集资金，都是利用了公开的资本市场，较为公开和透明，且置于公众监督之下。

Whether creditor's rights or equity as a way to raise money,Make use of the public capital markets,More open and transparent,Under the supervision of the general public and in.

　　由于再融资中心尚未建立，目前计划先由几家小贷公司各自单独发行第一批私募债。马兴表示：“这批小贷公司私募债将由财通证券承销，于浙交所发行，已经进入了操作阶段。”

Due to the refinancing center is yet to be established,Now plans first by several small credit company independently issued the first SiMuZhai.MaXing said:"This batch of small loan companies by SiMuZhai wealth through underwriting,In zhejiang into the issue,Has entered the stage of operation."

　　此前，浙江股权交易中心董事长孙永祥曾在接受媒体采访时表示，会选择符合标准的小贷公司来该中心发行小额定向债，方案已基本成型，计划从温州和丽水试点发行。

after,Zhejiang equity trading center chairman corporate own-ership once, when being interviewed by the media said,Will choose to conform to the standards of small loan companies to the center small directional debt issuance,Scheme has been basically completed,Plan from wenzhou and lishui pilot issue.

　　马兴透露，瑞安华峰小额贷款股份有限公司、苍南联信小额贷款股份有限公司发行私募债意向较强，鹿城捷信小额贷款股份有限公司、瓯海恒隆小额贷款股份有限公司或也将参与其中。

MaXing revealed,Ryan huafeng small loan co., LTD/Cangnan federal small loan co., LTD. SiMuZhai issued strong intention,Lucheng the jie letter small loan co., LTD/5 ouhai small loan co., LTD., or will be involved.