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发展态势良好的浙江小额贷款公司面临的最大瓶颈就是融资困难,一方面是由于“只存不贷”的政策规定;另一方面是因为现行政策下银行融资难度大,成本高,股东增资有比例限制。通过资产转让、信贷资产证券化、银行组合贷款、上市融资、成立小额信贷联盟等多种创新方式,可以缓解资金压力,并进一步促进小额贷款公司的稳健发展。
One of the biggest bottlenecks that Zhejiang microfinance companies face in the development trend is the financing difficulties, on the one hand, the policy of “leaving no money left alone”; on the other hand, because of the difficulty and high cost of bank financing under the current policies, the shareholder Capital increase has a proportion of restrictions. Through various innovative ways such as asset transfer, securitization of credit assets, bank portfolio loans, listing and financing, and the establishment of a microfinance alliance, the fund pressure can be alleviated and the steady development of the microfinance companies can be further promoted.