小额贷款公司的定位——解读《关于小额贷款公司试点的指导意见》

Position of Microcredit Company:Read on "Guidance on Pilot of Microcredit Company"

我国正在试点推行的小额贷款公司是源于民间金融,可以经营金融产品的非金融机构。小额贷款公司与银行相比资金来源渠道受限,资金运用管制严格,监管主体的救济措施有限;与一般公司相比实际持股人数要求高,公司股东、董事、监事、高级管理人员资格要求高,设立的门槛高;与民间金融相比则运行成本高、税费支出大、利息收入低。解读《关于小额贷款公司试点的指导意见》可知小额贷款公司只是农村金融的催化剂,是民间金融向正规金融过渡的一种形式。

Micro-credit company which is piloting and implementing is non-financial institutions which derived from private finance and could operate financial products. Compared with bank, the funding sources and channels of micro-credit company is limited, the use of funds controls strictly, the relief measures of supervisory subject is also limited. Compared with general company, the micro-credit company needs more number of actual shareholders, higher requirements to shareholders, directors, supervisors and senior management and higher threshold. Compared with private finance, the microcredit company runs with higher taxes, fees expenses, and lower interest income. Through reading on ＂ Guidance on Pilot of Microcredit Company＂, micro-credit company is only activator of rural finance and is a kind of form from private finance to regular finance.