Too high a micro-loan company in a policy dilemma

June 18, the CBRC issued a small loan company restructuring the establishment of village and township Banks interim provisions, for microfinance companies (referred to as "small loan Company") restructured village Bank opened a policy channel.　　However, the new deal has not been able to "cheer", towering barriers to the domestic nearly 600 small loan companies, and the face of financial pressure and the competition of state-owned banks, many small lenders into a dilemma. The National small loan company has not been transformed since the second half of last year, all over the beginning of microfinance company pilot work, for the operation of a good, reputable microfinance companies through the application for approval can be converted into village banks.　　However, the interim provisions of the small loan company poured a pot of cold water. "Interim provisions" requires that the small loan company transformation of village and township banks must be the main initiator of banking financial institutions.　　Supporting the use of "village and township Bank Management interim provisions" also pointed out that the village and township Banks, the largest shareholder or only shareholder must be banking financial institutions, which means that once the conversion, the private capital of the launch of a small loan company will be forced to transfer the holding power. The higher the threshold of transformation also let the small loan companies deterred. According to this request, the current national 583 small loan companies are not in the list of transformation.　　"A small loan company in charge of the reporter said to this newspaper.　　High-quality customers to state-owned banks but if they do not "promote" village and township banks, small lenders will face the pressure of bottom-bottomed capital. "Rui Fung not lack customers, the most lack of money." "This is Pan recently complained to the media.　　He presided over the Swiss microfinance company since its establishment last October 18, has accumulated more than 500 million loans, but now, because the funds "stretched", had to look at the loss of quality customers. The state-owned banks are ramping up lending, in the context of their own capital shortfalls.　　Data show that commercial banks in the first half of the year almost completed the task of credit, commercial banks in the second half of the focus of interest to small and medium-sized enterprises. Looking forward to a joint loan with the bank's main sponsor of the microfinance company, Wang, president of the Austrian-Kang group, proposed to work with banks to "bundle" operations, joint lending. "Small loan company for the bank package, loan risk is entirely borne by the small loan company, which solves the problem of microfinance companies financing difficult." "Small lenders will develop well if they can do business such as discounting, asset transfer, commissioned loans and other community retail banks that are not mentioned in the policy," he said. "Morning paper reporter Liu Ying flower