由于小贷公司从事的是金融业务，为与之前的规定衔接，便于小贷公司挂牌交易，浙江省金融办正在制定相关配套政策。

As a result of small loan companies are involved in the financial business,For the provisions of before and cohesion,For small loan companies listed for trading,Zhejiang financial do is developing relevant supporting policies.

　　浙江省在推动小贷公司拓宽融资渠道方面做出了新的尝试。日前，绍兴汇金小额贷款股份有限公司（以下简称“汇金小贷”）和杭州市余杭区理想小额贷款股份有限公司（以下简称“理想小贷”）先后在浙江股权交易中心（以下简称“浙交所”）挂牌，这是浙江省首批挂牌的小贷公司。

Zhejiang in promoting small loan companies to broaden the financing channels have made a new attempt.a,Shaoxing huijin small loan co., LTD(Hereinafter referred to as"Huijin small credit")And hangzhou yuhang district ideal small loan co., LTD(Hereinafter referred to as"Ideal small credit")Successively in zhejiang equity trading center(Hereinafter referred to as"Zhejiang into the")listed,This is the first listed in zhejiang province of small loan companies.

　　浙交所于去年10月18日正式启动，是浙江版的场外交易市场，上海证券交易所是其母公司，由上证所信息网络有限公司持有20%的股份。

Zhejiang pay in October last year and the official start date,Zhejiang version of the over-the-counter market,Shanghai stock exchange is the parent company,The sse infonet information network co., LTD holds 20% of the shares.

　　虽已成功挂牌，但短期内两家小贷公司在浙交所还不能开展实质性交易。这是由于小贷公司从事的是金融业务，此前有相关文件对小贷公司股权转让做出过相应规定。记者获悉，为与之前的规定衔接，便于小贷公司在浙交所挂牌交易，浙江省金融办正在制定相关配套政策。

Although has been successfully listed,But in the short term two small loan companies in zhejiang which can't carry out into the real deal.This is because the small loan company is engaged in the financial business is,There have been related documents to the little credit company equity transfer made corresponding provisions.The reporter learns,For the provisions of before and cohesion,For small loan companies in zhejiang into the listing for trading,Zhejiang financial do is developing relevant supporting policies.

　　首批两家挂牌 The first two listed

　　据《绍兴县报》报道，汇金小贷于去年12月31日在浙交所挂牌，代码为50087，公司简称“绍兴汇金”，是浙江省首家在浙交所挂牌的小贷公司。其《股权挂牌转让说明书》显示，推荐商为浙商证券。

According to[Shaoxing county to]reports,Huijin small credit in December 31, in zhejiang in the listing,Code for 50087,The company referred to as"Shaoxing huijin",Zhejiang province is the first in zhejiang have listed into the small loan companies.the[Equity transfer instructions listed]display,Recommended for zhejiang merchants securities business.

　　理想小贷于1月21日在浙交所挂牌，代码为50056，推荐商是财通证券。

Ideal small credit on January 21, in zhejiang in the listing,Code for 50056,Recommend business is money through securities.

　　据理想小贷总经理唐新民介绍，浙交所启动后，浙江省金融办于全省260余家小贷公司中选出了经营资质较好的9家推荐挂牌。

According to the general manager TangXinMin ideal small credit is introduced,Zhejiang pay after the start,Zhejiang provincial financial do in more than 260 small loan companies choose the business qualification good nine recommend listing.

　　唐新民表示，理想小贷在成立之初即聘请省内最好的会计师事务所和律师事务所，因此财务报表比较规范，无需重新审计，也无需再出具法律意见书，得以加快了进度，成为省内第一批挂牌的小贷公司。

TangXinMin said,Ideal small credit was first established in the province is hiring the best public accounting firms and law firms,Therefore the financial statements is more normative,Need not to audit,Also need not issue legal opinion,To speed up the progress,As the first batch of listed in the province of small loan companies.

　　据悉，浙江省于2008年开始试点小额贷款公司，汇金小贷是该省第二家成立的小贷公司，理想小贷是第三家。

It is reported,Zhejiang in 2008 began to pilot small loan companies,Huijin small credit is the second home in the province set up small loan companies,Ideal small credit is the third house.

　　截至2012年12月末，理想小贷贷款余额为6.19亿元，逾期贷款494.54万元，逾期率不足0.8%。并提取了一般风险准备金4288.49万元，呆账准备217.34万元，逾期贷款风险覆盖率为911%。

By the end of 2012 and the end of the month,Ideal small credit loan balance is 619 million yuan,Overdue loans 4.9454 million yuan,YuQiLv less than 0.8%.And extract the general risk reserve fund 42.8849 million yuan,Bad loans to 2.1734 million yuan,Overdue loan risk coverage is 911%.

　　唐新民表示，在浙交所的挂牌可以为小额贷款公司开辟新渠道。小贷公司的股东可以将其股权挂牌转让，也可以在浙交所发行私募债。唐新民还设想，假如余杭区三到四家中小企业欲在浙交所发行集合债，小贷公司也可以和券商联合承销。

TangXinMin said,In the zhejiang into place for small loan companies listed can open a new channel.Small loan company's shareholders will be listed stock transfer,Also can be in zhejiang in SiMuZhai issues.TangXinMin also imagine,If yuhang district three to four home to small businesses in zhejiang into debt issued by the set,Small loan company also can and joint securities underwriting.

　　汇金小贷相关负责人在接受媒体采访时也表示，在浙交所挂牌相当于进入上市“预科班”，将为公司拓宽融资渠道，加大对中小企业的扶持力度。

Huijin small credit related person in charge, when being interviewed by the media said,In the zhejiang pay the equivalent of listed into the listed"Prep school",To broaden the financing channels for the company,Strengthen the small and medium-sized enterprise more support.

　　尚需配套政策 Still need to supporting policies

　　两家小贷公司虽已挂牌，但由于其特殊的身份，要进行实质性的交易还需要浙江省金融办出台相关配套政策。

Two small loan company is already listed,But because of its special status,To carry out substantive trading also need to zhejiang financial do has issued relevant supporting policies.

　　小贷公司带着“公司”的头衔，从事的却是金融业务，坊间戏称“披着公司外衣的银行”。

Small loan company with"The company"title,Is engaged in the financial business,Urban calls"Coat covered with the company of the bank".

　　唐新民对本报记者表示：“公司已经挂牌，但未来在转让股权时，是否允许全流通？允许多少比例流通？第一大股东是否需要锁定？这些都需要出台措施与已有的小贷公司相关规定配套。而且目前，我们的股东也暂时没有挂牌出让的意向，但股权转让和发债肯定是趋势。”

TangXinMin to our reporter said:"The company has listed,But in the future when the equity transfer,Whether to allow full circulation?Allow much proportion circulation?The first big shareholders whether to need to lock?All these need issued measures and have little credit company supporting the relevant provisions.And now,Our shareholders also temporarily no intention or hanging out a shingle,But the equity transfer and FaZhai sure is a trend."

　　此前浙江省曾出土相关文件对小贷公司股权转让做出规定。根据《浙江省小额贷款公司试点暂行管理办法》（浙金融办〔2008〕21号）第十九条规定：小额贷款公司的股份可依法转让。但主发起人持有的股份自小额贷款公司成立之日起3年内不得转让，其他股东2年内不得转让。第二十条规定：小额贷款公司原有股东之间股份转让，主发起人发生变化的、股份转让比例超过5%的，经当地政府同意后报省金融办审核。

Zhejiang province have had unearthed relevant documents to the little credit company equity transfer make provisions.According to the[Zhejiang small loan companies interim measures for the administration of pilot](Zhejiang financial do [2008] no. 21)Provisions of article 19 of:Small loan company's shares can be transferred according to law.But the Lord held by the initiators of shares since the date of the establishment of the small loan company shall not be transferred within 3 years,The other shareholders shall not be transferred within two years.The provisions of article 20:Small loan company between original shareholders share transfer,The main change/The transfer of shares more than 5% of the proportion,The local government agreed to the province after financial do audit.

　　此外根据《浙江股权交易中心股权业务管理暂行办法》第二十五条规定：企业控股股东或实际控制人挂牌前直接或间接持有的股权应当分批解除交易限制，每批解除交易限制的数量均为其所持股权的三分之一。解禁的时间分别为挂牌后依法依约可交易之日、挂牌后依法依约可交易之日起满一年、挂牌后依法依约可交易之日期满两年。

In addition, according to the[Zhejiang equity trading center equity interim measures for the administration of the business]The provisions of article 25:Enterprise the controlling shareholder or actual controller before listing directly or indirectly held equity should be partial remove trade restrictions,Every batch of remove the number of trade restrictions are the one third of the holdings.Lift the ban time after respectively in accordance with the listing in accordance with the date about can trade/After listing in accordance with the trade in accordance with the date about can be a full year/After listing in accordance with the date in accordance with the covenant can deal with two years.