To successfully passed the audit of bank loans, we need to do?Small and medium enterprises funding breakthrough, like unsecured micro-credit method would be through Bank helps financing, 2 008 years in May, the China Banking Regulatory Commission and Central Bank issued the guidelines on pilot small-sum loan company (hereinafter referred to as the guidelines), since the pilot entered the new phase of adjustment of the legal system.
Bank micro loan effectiveness and improvement has been causing concern in August 2008, ~2011 from March, the author also selected four microfinance company in Wenzhou, case studies the State of its implementation, from the perspective of Sociology of law, pilot small loan companies still need to be combined with the local reality and then perfect.
local factors affecting the implementation of pilot system of Zhejiang Province in July 2008 to implement the views on the pilot implementation of a microfinance company (hereinafter referred to as the implementation), carried out with strict quota limits, improving access, strengthening the control features a series of local regulations.
Bank lending in Wenzhou, local elite, private enterprises, local commercial bank tripartite consensus. Of the implementation of the provisions of each county of the province (municipal and district) is only 1 accredited pilot small loan company, Wenzhou 11 pilot in the planned quota increase to 5.
July 14, 2008, the day the implementation file, Wenzhou has dozens of enterprises information Declaration, competition pilot places very quickly into a white-hot state.
in y County, nearly 100 private enterprises to declare the County a unique pilot places, local enterprises are United more than 10 companies "hugs" compete in the city of l, leading enterprise group of h, z group, group d competition the only main sponsor eligibility.
a number of competing entrepreneurs believe that investing in microfinance company direct revenue is not high, but has limited financial "licence" of high economic value, can improve your business reputation and market position, more importantly qualified financial reforms for greater opportunities in the future.
October 2008 Wenzhou first filings submitted to the provincial Finance Office of only selected 3 pilot companies, the related businesses use a variety of it resources is closely related to the background of the licence.
visible places for the intense much of scarcity on the corporate elite to the symbolic capital of the instinctive possession, on access to finance access to huge investment impulses.
local governments also make full use of pilot authorized to improve the access of the guidance standard. The implementation will be to increase the registered capital of no less than 50 million in the form of a limited liability company, Corporation forms of no less than 80 million Yuan.
Wenzhou small loan company pilot work operation (Xia said operation) further improve requirements, registered registration in principle take by corporate established of Corporation form, and by Xia's area administrative level put registered capital lower respectively improve to 100 million Yuan and 200 million Yuan, and additional quantitative standard improve on main sponsors qualification of requirements, to administrative means control County access checks, as w County requirements, declared pilot company main sponsors must is 2007 degrees this county "feats enterprise" (Only 2 of the County).
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