楚天都市报讯 见习记者李晓琴 李琪 Chutian metropolis daily (reporter LiXiaoQin LiQi apprentice

　　春节将至，正是各中小企业资金往来最频繁的时候，也是一些企业主最发愁的时候，一方面年底资金需求量加大，另一方面想要融资难度也更大。

The Spring Festival will come,It is the small and medium-sized enterprise funds when most frequently,Also some business owners worry about most of the time,At the end of the year, on the one hand, capital demand increase,On the other hand want to financing difficulty is more big.

　　记者调查发现，活跃于灰色地带的民间借贷月息从三个月前的3%涨到5%左右。部分无抵押贷款月利率甚至飙升至8%，也就是说，折合年化贷款利率几乎达到96%。

Reporter survey found,Active in the gray area folk lending monthly interest from three months ago about 3% up to 5%.Part of the unsecured loan month even soared to 8%,that,Reduced annualised loan interest rate of almost 96%.

　

　探访 visit

　　个别地下贷款月息飙涨至8% Individual underground loan monthly interest shoot up to 8%

　　记者走访市场后发现，临近春节，武汉个别地下借贷机构的利息都随着需求的旺盛悄然走高，部分机构的月息已涨到8%以上。也就是说，通过地下借贷机构借款的话，折合年利率高达96%。

Reporter visited the discovery after market,Near the Spring Festival,Wuhan individual underground lenders with the interest is the strong demand quietly go high,Part of the mechanism of the monthly interest already up to more than 8%.that,Through the underground lenders loan words,Reduced annual rate as high as 96%.

　　据汉口区某快贷公司工作人员告诉记者，目前月息从三月前1%上涨到现在3%。贷款企业多为工程类企业来寻求贷款，大都贷款在20万元以上。另有个别民间信贷部分，贷款利息则高达8%以上。记者从汉阳区某快贷公司寻问贷款，工作人员表示，无抵押贷款月息在8%-10%。若有抵押贷款的话，月息在6%-8%。工作人员坦言月息较高，但有不少工程类企业来贷款。“主要是我们这里放款较快，如果符合贷款的各项要求。当天可以贷到。”

According to the hankou area a quick credit company staff, told reporters,At present monthly interest from march top 1% up to 3% now.Loan enterprise for engineering enterprise to seek loans,Most of the loan is in 200000 yuan of above.Another individual folk credit part,Loan interest rate is as high as 8% above.Reporters from hanyang a quick credit company asking loans,Staff said,Unsecured loan monthly interest at 8% - 10%.If there is a mortgage loan words,Monthly interest at 6% - 8%.Staff said higher monthly interest,But there are a lot of engineering enterprise to loans."The main thing is we here loan faster,If conform to the requirements of the loan.The day can borrow."

　　

原因 reason

　　银行、小额贷款公司惜贷 The bank/Small loan companies arisen

　　据了解，湖北省内银行和小额贷款公司，临近年关放贷日趋谨慎。

It is understood,Hubei province Banks and small loan companies,Near the end of the year to lend more cautious.

　　昨日下午，武昌年底急用10万元钱的萧老板，走了两三家小额贷款公司，本以为很容易贷到款，没想到小额贷款公司根本不愁贷，像他这样额度的客户都在排队等着贷款。

Yesterday afternoon,Wuchang is so urgently required by the end of 100000 yuan xiao boss,Go two or three small loan companies,This thought is very easy to borrow money,Didn't think small loan companies don't worry about credit,The amount of customers like him in the queue for the loan.

　　记者走访武汉多家小额贷款公司获悉，小额贷款“放款”时间短、手续简便，甚至当日就可以放款，因此受到众多小微企业和个人热捧。临近年底，用钱的客户多，因为根本不愁贷，有的小额贷款公司门槛也提高了。为了避免风险，公司会慎重甄选客户，不再一味“无条件”放款。

Reporters visited wuhan several small loan company to learn,Small loans"loan"Time is short/Procedure is simple,Even the can loan,So by numerous small micro enterprises and individuals hold heat.Near the end of the year,The money more than customers,Because there have credit,Some small loan companies can raise the threshold.In order to avoid the risk,The company will be careful selection of customers,No longer blindly"unconditional"loan.

　　多家小额贷款公司透露，如果贷款客户信誉和抵押担保情况一般，也不愿意放贷，而这也是年底有小微企业贷款更难的原因。

Several small loan company has revealed,If the customer credit loan and mortgage guarantee generally,Is not willing to lend,And this is the end of the year have small micro enterprise loans more difficult reason.

　　

提醒 remind

　　“高利贷”不受法律保护 "usury"Not protected by law

　　湖北省小额贷款公司协会副秘书长李军立指出，年底不少企业都要缴工程款、年终各种结算账，资金可能出现断链，因此对于年底这些企业贷款需求较大。另有业内人士认为，一些中小企业主，如果要是从银行和小贷公司都借不到钱的话，他们就只能转向地下的民间借贷机构。

Small loan company in hubei province association deputy secretary-general LiJunLi pointed out,Many enterprises have to pay at the end of project/The end of all kinds of settlement account,Funds may appear broken chain,So at the end of the year for the enterprise loan demand for more.Otherwise the personage inside course of study thinks,Some small and medium-sized business owners,If from Banks and small loan companies are not able to borrow money words,They can turn to underground folk lending institution.

　　李军立指出，目前，小额贷款公司发放贷款利率的浮动幅度范围：一是按照市场原则自主确定。二是上限不得超过同期银行利率的四倍，下限为人民银行公布的贷款基准利率的0.9倍。对于超出限度的，超出部分的利息不予保护。

LiJunLi pointed out that,At present,Small loan company lending interest rate's fluctuation amplitude range:One is according to market principles independently determine.The second is the bank interest rate upper limit shall not exceed four times,Lower limit is published by the people's bank benchmark lending rate 0.9 times.For beyond the limit,Beyond part of interest will not be protected.

　　截止目前，我省已有238家小额信贷企业公司。2012年上半年平均每家注册资本金从2008年的3454万元增至7532万元，全省企业贷款户共有7782户，其中小企业为1468户，占22%。农户贷款2113户占总贷款户的28%。个体户为2781户，占35%。其他企业户为1200户，占15%。

So far,Our province has 238 microfinance companies.In the first half of 2012 average each registered capital from 2008 yuan to 75.32 million yuan,The enterprise loan door a total of 7782 households,The small business for 1468 households,22%.Farmers loans 2113 households account for 28% of the total loan households.Soho for 2781 households,35%.Other enterprise door for 1200 households,15%.

　　

另类融资 Alternative financing

　　典当行成小微企业融资“便利店” Pawnshop into small micro enterprise financing"Convenience store"

　　房产、建筑老板扎堆借钱 property/Building the boss gathers together to borrow money

　　在小额贷款公司业务上升不断扩张的同时，传统的典当行业也成为个人或企业的融资渠道。据湖北省典当行业协会相关负责人介绍，目前湖北有近190家典当行，近三年来，微型企业、小企业、创业型企业，已成为典当行重要的客户来源。近六典当行主要为中小企业提供融资服务。“制造业不太景气，又临近年底，来这里办理业务的客户比平时多了大概有三成。”武汉谦和典当行总经理高鹏告诉记者。由于年底银行信贷紧张，个人和中小企业急需资金周转又贷不到款，今年年底小企业典当量开始增多。

In the small loan business expanding rise at the same time,The traditional pawn industry has also become individual or enterprise financing channels.According to hubei pawn industry association relevant controller introduces,At present there are almost 190 hubei pawnshop,Nearly three years,Miniature enterprise/small/Entrepreneurial enterprises,Has become a pawnshop important customer source.Nearly six pawnshop mainly for small and medium-sized enterprises to provide financial services."Manufacturing was rather slow,And near the end of the year,Come here for business customers more than usual about thirty percent."Wuhan amiable pawnshop general manager GaoPeng told reporters.Due to the end of the year the bank credit nervous,Individuals and small and medium-sized enterprises are in urgent need of capital turnover and borrow less than money,By the end of this year, small amount of pawn started to increase.

　　他介绍到，平时生产性企业的客户能占到60%，到年底是房产、建筑行业的客户为主，急需支付工程款和结算工人薪资，有的包工头抵押个人房产来贷款。”

He introduced to,Usually the productive enterprise customers can account for 60%,By the end of the year is real estate/Customers are in the construction industry,Need to pay workers salary project and settlement,Some personal housing mortgage loans to resolve."

　　高鹏对此表示，年底业务量增大，但是息费在2%-4%之间“不敢涨”，贷款也“不敢大”。一方面是，抵押贷款本身存在较大风险，如果贷款客户信誉和抵押担保情况一般，获得贷款的可能性也就会降低；另一方面，去年就有120多家小额贷款公司进入武汉，相互之间也会有竞争，中小企业正规融资的息费还会慢慢降低。

GaoPeng expressed,The end of the year volume increase,But XiFei between 2% and 4%"Can't rise",Loans also"Dare not big".On the one hand is,There is a big risk mortgage itself,If the customer credit loan and mortgage guarantee generally,The possibility of get loans will reduce;On the other hand,Last year more than 120 small loan company in wuhan,Between each other will have competition,Small and medium-sized enterprise financing regular XiFei will slowly reduced.

　　

典当行纷纷降低折当率 Pawnshop have lower discount when rate

　　300万豪车当来150万元 300 marriott car when to 1.5 million yuan

　　业内人士指出，今年中小规模的典当行对房产则显得很谨慎，楼市调控直接影响了房屋抵押的金额。与房地产等动产抵押相比，汽车、民品等动产的评估过程更复杂，同时利息和综合管理费则更高，每月息费可达到4.7%。

The personage inside course of study points out that,This year the pawnshop to small and medium-sized real estate appears very cautious,The property market regulation directly affect the amount of mortgage.Compared with the real estate chattel mortgage,car/Civilian goods and chattels evaluation process more complicated,At the same time, interest and comprehensive management fee is higher,Monthly XiFei can reach 4.7%.

　　不过，年底仍有不少私人将自己的汽车或奢侈品拿到典当行抵押。昨日，记者从湖北瑞恒典当了解到，一私营业主前不久将自己价值300多万元的豪车拿去抵押了150万元，月息为3.9%，主要用作公司的资金周转。

but,The end of the year there are still many private will own a car or luxury to the pawnshop mortgage.yesterday,Reporters from hubei rui constant pawn to know,A private owner will shortly before their own value of more than 300 yuan hao car take to mortgage the 1.5 million yuan,Monthly interest is 3.9%,Mainly used for the company's capital turnover.

　　为何折当率仅有50%，瑞恒典当积水桥店店长助理王婷告诉记者，除了评估车辆价值外，还因其特殊性，必须考虑到出现绝当的情况下，要有足够的变现能力。豪车的流通性会差一些，所以折当率会相对低一点。

Why fold when rate only 50%,Red constant pawn water bridge little long assistant WangTing told reporters,In addition to evaluate the value of the vehicle,Also because of its particularity,Must be considered when appear off the case,Want to have enough cashability.Hao car liquidity would sent some,So fold when rate will be relatively low point.