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主持人的话:2008年5月,中国人民银行、银监会联合发布《关于小额贷款公司试点的指导意见》,小额贷款公司试点在全国范围推广开来。据不完全统计,截至2009年3月末,全国已开业583家小额贷款公司,筹建573家。在一年的运行中,小额贷款公司解决了一些地区“三农”及中小企业的发展资金问题。但是,在目前的政策框架下,小额贷款公司利润空间小,经营风险大,期间也出现了盲目扩张、业务不规范等诸多问题,此为一“忧”。2009年6月,银监会下发《小额贷款公司改制设立村镇银行暂行规定》(以下简称《暂行规定》),允许符合条件的小额贷款公司转制成为村镇银行,这是一项期待已久的正向
Moderator: In May 2008, the People’s Bank of China and the China Banking Regulatory Commission jointly issued the Guiding Opinions on Piloting of Small-Loan Companies, and piloted micro-credit lending companies nationwide. According to incomplete statistics, as of the end of March 2009, 583 microfinance companies have been opened in the country and 573 have been set up. In the course of a year, the small loan company has solved the problem of development funds for some areas, “agriculture, rural areas and farmers” and small and medium-sized enterprises. However, under the current policy framework, small-sum loan companies have small profit margins and high business risks. Many problems such as blind expansion and irregular business have emerged during this period. In June 2009, the CBRC issued Interim Provisions on the Reform of the Establishment of Villages and Towns Banks by Small Loan Corporations (hereinafter referred to as “Interim Provisions”), allowing eligible small-loan companies to be transformed into village banks. This is a long-awaited Positive