Efficient and convenient does not mean ignoring risk prevention and control. The staff member said that the company has a unique and flexible method to evaluate the quality of customers. "Compared with the customer's guarantee measures, we are more concerned about whether his work can be profitable and whether the money is used normally. If the loan is used normally, it will definitely be earned back. "
Compared with banks, the procedures are simpler and the interest rate of private lending is lower. Will the emergence of microfinance companies change the existing financial structure? "Microfinance companies will not have a great impact on the entire loan structure, but can only be a supplement, giving SMEs and farmers one more financing channel." Zhang Chunlei said.
Zhang Chunlei believes that microfinance companies mainly serve customers who can't meet the bank loan conditions or can only partially meet the bank loan conditions. There is no direct competition between the two, but now it is more cooperation, and banks are still the main financing channels. The reporter saw that the partner list of Shang Lu Microfinance Company includes the major commercial banks in Jinan. "Some customers that banks can't do will provide it to us." In addition, Shang Lu Microfinance Company also provides financial consulting services to help customers get loans from banks. "If we can meet the conditions of the bank, customers can get loans with lower interest rates, and we can also free up our own funds, which can be said to be a win-win situation." Zhang Chunlei said.
Regarding private lending, Zhang Chunlei said that the emergence of small loan companies will not have much impact, because the number and funds of small loan companies are very limited compared with a large number of private lending, but it will lead private lending to standardization. "If you can't get a loan from a bank, you will first choose a microfinance company, and they will only consider high-interest private capital."
Bottleneck to be broken
The market demand is huge and the industry prospect is promising. However, with limited funds, microfinance companies are facing happy troubles.
According to relevant regulations, the only funds available for lending by microfinance companies are registered capital and bank financing that does not exceed 50% of the registered capital. For small loan companies in Shang Lu, the use of these two funds is close to saturation. Zhang Chunlei said that at present, the shareholders of the company have a strong desire to increase capital, but according to the regulations, the shareholders can only increase capital one year after the company is established, and they prefer to turn it into a village bank three years later, thus fundamentally solving the problem of funding sources.
At present, small loan companies still face the limitation of business field. For small loan companies established in urban areas, the accumulated loan amount and loan balance outside the administrative area shall not exceed 20%. Zhang Chunlei expressed the hope that the government can introduce some policies that are more conducive to the development of microfinance companies, and the government's continuous relaxation of restrictions on microfinance companies also made him see hope. In May this year, the Notice of the General Office of Shandong Provincial People's Government on Further Promoting the Pilot Work of Small Loan Companies cancelled the maximum registered capital of small loan companies of 654.38+0.5 billion yuan, and stipulated that existing small loan companies with registered capital below 654.38+0.5 billion yuan should be encouraged to increase their capital and share.