Small Loan Companies Regulatory Policy Or Will Usher In An Important Breakthrough.

< p > if the new a href= "http://www.91se91.com" > Internet < /a > finance needs to fill the policy gap, then the small loan and guarantee industry entering the bottleneck stage of development needs urgent policy upgrading.

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< p > in recent years, the number of small loan companies and the size of loans have increased rapidly.

According to the central bank's data, as of the end of 2013, there were 7839 small loan companies nationwide, 1759 more than those at the end of 2012, 819 billion 100 million yuan in loans, and 226 billion 800 million yuan in loans for the whole year, an increase of 38.33%.

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< p > however, with the continuous expansion of the scale of the industry, the financing channels of the small loan companies are single, the leverage ratio is too low and the supporting policies are lagging behind.

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< p > yesterday, some sources said that the regulatory policy of small loan companies would usher in an important breakthrough. In terms of access to small loan companies, the management of licences would be implemented, and the principle of wide admission and strict control might be adopted, and even the subscription system might be implemented.

In terms of financing, not only the financing channels have increased, but also the proportion of financing will be greatly improved.

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< p > at present, the main source of capital for small loan companies is capital contributions from shareholders, donated funds, and the integration funds from no more than two banks. Small loan companies can not exceed 50% of net capital from banks.

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< p > a small loan company in Guangdong said to the first financial daily that unlike the financial institutions, the small loan company does not have a separate licence at present, only the approval document of the finance office.

From the perspective of the application process, we must first apply to the provincial finance office and get the approval, and the small loan company will go through the business registration procedures again.

"Moreover, in accordance with the relevant provisions, in order to prevent small loan companies from submitting their applications but the funds are not in place, the financial offices require that capital verification reports be submitted when they submit their applications, so that they will be approved only after the funds are in place."

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< p > he told reporters that the current "a href=" http://www.91se91.com/news/index_cj.asp "financial > /a" has a clear registered capital for the establishment of small loan companies.

Take Guangdong area as an example, in the past, the requirement for registered capital reached 50 million to 200 million, and then increased to 200 million to 500 million.

The person in charge thinks that it is right to set up certain entry barriers, which is also a way of screening.

Especially for the economically developed areas, the establishment of a small loan company should have at least 100 million capital scale, so as to ensure that we can support a team.

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P, who is close to the regulators, told reporters that the CBRC will, on behalf of the State Council, jointly with the people's Bank of China and other relevant departments, based on the "a href=" http://www.91se91.com/news/ index_q.asp "guidance /a /a" issued by the CBRC and the people's Bank of China in May 2008, formulate a unified national small loan company supervision system and management rules.

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"P", "and the CBRC will actively cooperate with and promote the establishment of a national small loan company industry association, strengthen self-discipline, and promote the effective supervision of local government regulatory departments to promote healthy and orderly development of the industry."

A person familiar with the matter said.

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< p > the person in charge of the small loan company told reporters that in October 2013 and December, the financial services inspection team of the State Council small and medium enterprises and the Financial Research Institute of the State Council Development Research Center had first investigated the small loan industry in Guangzhou later.

"Such intensive and high-profile industry research is unprecedented."

He said that from the information disclosed in the research forum, the pace of upgrading the guidance is approaching, and the financing difficulties that small loan companies are eager to break through are expected to be solved.

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Less than P, a person familiar with the matter said that in the supervision of small loan companies, the State Council has made it clear that the a href= "http://www.91se91.com/news/index_cj.asp" > Loan < /a > is the supervisory responsibility of the company in the local government.

"We hope to further expand the functions of local financial supervision departments and better promote the development of local finance."

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