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近日,发改委印发了《银监会关于鼓励和引导民间资本进入银行业的实施意见》和《财政部关于开展小额贷款公司涉农贷款增量奖励试点的通知》。前者提出了村镇银行发起行的最低持股比例由20%降低为15%,后者则是扩大了小额贷款公司试点城市规模。村镇银行以及小额贷款公司是最具代表性的两种小型金融机构,主要面向小微企业及三农客户,所以政策归根结底就是要解决小微企业融资难和三农客户贷款难的问题。
Recently, the NDRC issued the “CBRC’s Opinions on Encouraging and Guiding Private Capital into the Banking Industry” and the “Notice of the Ministry of Finance on Launching the Pilot Project of Increment Reward on Agriculture-related Loans for Small Loan Companies”. The former proposes that the minimum shareholding ratio sponsored by rural banks should be reduced from 20% to 15% while the latter is to expand the pilot city size of microfinance companies. Rural banks and small loan companies are the two most representative small financial institutions. They are mainly targeted at small and micro enterprises and agriculture, rural areas and farmers. Therefore, the policy is ultimately to solve the problem of the difficulty of financing small and micro enterprises and loans to agriculture, rural areas and farmers.