聂伟柱

NieWeiZhu

　　如果将全国的小额贷款公司视为一个整体的话，其市场影响力已悄然超过了多数全国性股份制商业银行。

If the micro-credit company as a whole word,Its market influence has quietly over most of the national joint-stock commercial Banks.

　　央行日前公布的数据显示，截至2012年末，全国小额贷款公司数量已经达到6080个，贷款余额达到5921亿元人民币。历史数据显示，2011年末，小额贷款公司贷款余额为3914亿元。这意味着，2012年全年，小额贷款公司新增贷款规模就达到了2007亿元。

The central bank announced a few days ago data display,By the end of 2012,The number of small loan company has reached 6080,Outstanding balance of the loans amounted to 592.1 billion yuan RMB.History data shows,By the end of 2011,Small loan company loan balance is 391.4 billion yuan.This means that,In the whole year of 2012,Small loan companies scale new loans to reach 200.7 billion yuan.

　　2007亿的新增贷款规模超过了任何一家城商行全年的新增贷款规模，亦超过了绝大多数全国性股份制银行新增贷款规模。与此同时，6080家小贷公司意味着全国小贷公司至少拥有6080个网点，完胜任何一家股份制银行、城商行。

200.7 billion new loan scale more than any one city business throughout the year of the new loan scale,Also more than the vast majority of national joint-stock bank add the size of the loan.meanwhile,6080 small credit company means that the small loan companies have at least 6080 points,Victory over any a joint-stock bank/City business.

　　小贷公司“大跃进” Small loan companies"Great leap forward"

　　还是三年前的2009年末，小额贷款公司数量仅仅只有1334家，贷款余额为766亿元。三年多的时间，这两个数据分别蹿升至6080家和5921亿元。这两个数据已经清晰地表明了小额贷款爆炸式增长的态势。

Or three years ago by the end of 2009,Small loan company quantity only 1334,Loan balance is 76.6 billion yuan.More than three years time,The two data are up to 6080 and 592.1 billion yuan.The two data is already clear surface to microfinance explosive growth trend.

　　分析人士认为，最近几年来，商业银行信贷规模受到严格控制，庞大的信贷需求，如小微企业贷款需求，难以从银行正规渠道得到满足。这种资金供给和资金需求上结构性的差异，给小贷公司大发展提供了舞台。

Analysts believe that,In recent years,Commercial bank credit scale strictly controlled,The huge credit demand,Such as small micro enterprise loan demand,From the bank to satisfy normal channels.The money supply and money demand structural differences,Give a small loan company development provides a stage.

　　与此同时，和银行、信托、证券等金融机构相比，发起设立小贷公司的门槛较低，只需在工商局注册，无需金融牌照。正因如此，成立小额贷款公司被民间资本、产业资本视为进入金融业的一条捷径。

meanwhile,And bank/trust/Securities than financial institutions,Small loan companies established the threshold to be low,Just in the bureau of industry and commerce registration,Without financial license.Because of this,Small loan company founded by private capital/Industrial capital into the financial sector as a shortcut.

　　例如，2012年12月初，苏宁电器(002024,股吧)就曾发布公告称，公司全资子公司香港苏宁拟与关联方苏宁电器集团共同出资发起设立“重庆苏宁小额贷款有限公司”。苏宁小贷公司注册资本拟定为3亿元，其中香港苏宁出资75%，苏宁电器集团出资25%。

Such as,In early December, 2012,Su ning electric equipment(002024,guba)Had issued said,The company is a wholly owned subsidiary of Hong Kong su ning quasi party and suning appliance group jointly established investment"Chongqing suning small loan co., LTD".Suning small loan company's registered capital is 300 million yuan worked,The Hong Kong su ning invested 75%,Suning appliance group invested 25%.

　　目前，沿海地区部分小额贷款公司发放贷款的年化利率在20%左右。如此丰厚的收益率吸引了越来越多的资本进入小额贷款公司。

At present,Coastal area of small loan companies issue loans annualised rate at about 20%.So rich return attracted more and more capital into small loan companies.

　　2012年全年，新增小额贷款公司数量就达到1798家，增幅为42%。与此同时，小贷从业人员数量也在2012年末达到7万人，较年初增加1.3万人。

In the whole year of 2012,The number of small loan companies to reach 1798,Growth was 42%.meanwhile,Small credit number of employees in the end of 2012 to 70000 people,An increase of 13000 for the year.

　　与小额贷款公司蓬勃发展形成鲜明对比的是，村镇银行、农村资金互助社等新型农村金融机构发展速度相对缓慢。据媒体报道，截至2012年9月末，全国共组建村镇银行799家。6月末，全国已开业村镇银行资产总额3190亿元，其中贷款余额仅有1782亿元。

And small loan companies vigorous development contrast,Town bank/Rural fund cooperatives and the development of new type of rural financial institutions relatively slow rate.According to media reports,By the end of 2012 and the end of the month,The town a total of 799 a bank.At the end of June,The village has been opening bank the total assets of 319 billion yuan,The loan balance only 178.2 billion yuan.

　江苏、内蒙古聚集地 jiangsu/Rendezvous for Inner Mongolia

　　全国范围来看，机构数量上，江苏省拥有的小额贷款公司数量位居全国首位，达到485家；安徽省、内蒙古自治区分别以454家和452家的数量位居二、三位。

nationally,Mechanism on the number,Jiangsu province of small loan companies with number of the national first place,Reached 485;anhui/Inner Mongolia autonomous region in 454 and 452 respectively the number of home in two/three.

　　贷款余额指标来看，江苏省小额贷款公司的贷款余额居全国首位，高达1036亿元，几乎占到全国的五分之一。浙江省的小额贷款公司以731亿元，位居贷款余额第二位。内蒙古自治区以356亿元的贷款余额位居第三位。

Loan balance indicators,Jiangsu small loan company's loan balance occupies the national first place,As high as 103.6 billion yuan,Make up almost one 5 of the country.Zhejiang small loan companies with 73.1 billion yuan,In the second loan balance.Inner Mongolia autonomous region with 35.6 billion yuan loan balance in the third.

　　一方面，小贷公司在快速膨胀，但另一方面，小贷公司这个行业在整体战略、公司治理、风险控制等诸多问题有待完善。

On the one hand,Small loan company in rapid expansion,But on the other hand,Small loan companies in the industry overall strategy/Corporate governance/Risk control, many problems remain to be improved.

　　央行副行长潘功胜日前称，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。应“继续加快发展面向小微企业的微型金融组织”。

The central bank vice President PanGong - reported,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.should"Continue to speed up the development of small micro enterprise in micro-financing organizations".

　　“现在中国的小贷公司已经有5000多家，这些公司之间存在很大的差异。”美兴小额贷款公司中国区总经理李星海此前在接受《第一财经日报》采访时称，应对小贷行业做一个细分，根据小贷公司的贷款额度、战略定位、经营情况等进行分级。接着制定一个小贷公司评级标准，引进小贷评级系统。这样一来，整个小贷行业的情况就非常的清楚了，每家公司的管理能力、风控能力属于什么级别一目了然。

"Now China's small loan company has more than 5000,These companies have a lot of difference between."Beauty and small loan company general manager of China LiXingHai before accept[The first financial daily]As enticing as a,Deal with small credit industry make a segmentation,According to the small loan company's loans/Strategic positioning/Management of classification.Then make a small loan company rating standard,Introduction of small credit rating system.so,The small credit industry is very clear,Each company management ability/The wind control ability belongs to be clear at a glance what level.

　　“作为劳动密集型业务，小额信贷必须通过标准化和批量化的业务模式降低业务成本，并需要通过现代化的管理来有效防控风险。”全国人大财经委员会副主任委员吴晓灵则建议，应该首先从政策上允许小贷机构集团化发展。

"As a labor intensive business,Microfinance must through the standardization and PiLiangHua business model to reduce business cost,And need through the modern management to effective risk prevention."The financial committee of the National People's Congress vice director of WuXiaoLing is recommended,Should first from the policy allows small credit institutions collectivization development.