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前海股交中心为小贷再松绑

来源: 南方日报网络版     时间: 2018年10月23日 22:14:09
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(  本)(报)(记)(者)(钟)(辉)(  实)(习)(记)(者)(吴)(俊)(捷)(深)(圳)(报)(道)(  水)(无)(源)(则)(竭)(,源)(无)(渠)(则)(漫)(。融)(资)(比)(例)(提)(高)(至)(净)(资)(产)(的)(200%,深)(圳)(拓)(宽)(小)(贷)(公)(司)(资)(金)(源)(头)(后)(,融)(资)(渠)(道)(建)(设)(也)(在)(推)(进)(。  21世)(纪)(经)(济)(报)(道)(记)(者)(独)(家)(获)(悉)(,经)(过)(几)(个)(月)(的)(酝)(酿)(,前)(海)(股)(权)(交)(易)(中)(心)(已)(推)(出)(小)(贷)(公)(司)(融)(资)(平)(台)(,“相)(当)(于)(小)(贷)(公)(司)(的)(同)(业)(拆)(借)(平)(台)(”,并)(配)(套)(推)(出)(小)(额)(贷)(款)(短)(期)(定)(向)(融)(资)(工)(具)(系)(列)(产)(品)(,解)(决)(小)(贷)(公)(司)(债)(券)(融)(资)(渠)(道)(需)(求)(。目)(前)(,已)(成)(功)(发)(行)(第)(一)(单)(小)(贷)(短)(期)(融)(资)(凭)(证)(。  “目)(前)(深)(圳)(的)(小)(贷)(公)(司)(从)(银)(行)(获)(得)(的)(贷)(款)(比)(例)(不)(足)(,亟)(须)(拓)(宽)(其)(他)(融)(资)(渠)(道)(;同)(时)(全)(行)(业)(资)(金)(闲)(置)(率)(也)(比)(较)(高)(,有)(些)(小)(贷)(公)(司)(有)(资)(金)(沉)(淀)(,有)(些)(又)(有)(资)(金)(缺)(口)(,那)(为)(什)(么)(不)(做)(一)(个)(桥)(梁)(,让)(他)(们)(直)(接)(对)(接)(呢)(?”前)(海)(股)(交)(中)(心)(总)(裁)(助)(理)(甘)(捷)(日)(前)(接)(受)(21世)(纪)(经)(济)(报)(道)(专)(访)(时)(称)(:“我)(们)(给)(小)(贷)(公)(司)(提)(供)(一)(个)(同)(业)(拆)(借)(和)(融)(资)(平)(台)(,可)(以)(减)(少)(小)(贷)(公)(司)(私)(下)(开)(辟)(借)(贷)(渠)(道)(,明)(晰)(小)(贷)(公)(司)(的)(借)(贷)(行)(为)(,方)(便)(监)(管)(部)(门)(管)(理)(。”  深)(圳)(市)(小)(贷)(行)(业)(数)(据)(显)(示)(,截)(至)(2013年)(7月)(,共)(成)(立)(84家)(小)(额)(贷)(款)(公)(司)(,全)(行)(业)(资)(本)(金)(122亿)(元)(,未)(分)(配)(利)(润)(20亿)(元)(,自)(银)(行)(获)(得)(融)(资)(11亿)(元)(,仅)(占)(资)(本)(金)(的)(9.02%,贷)(款)(余)(额)(99.76亿)(元)(,闲)(置)(资)(金)(52亿)(元)(,闲)(置)(率)(超)(过)(30%。  三)(项)(小)(贷)(资)(产)(证)(券)(化)(业)(务)(  21世)(纪)(经)(济)(报)(道)(记)(者)(获)(悉)(,年)(初)(提)(高)(小)(贷)(公)(司)(融)(资)(比)(例)(后)(,深)(圳)(市)(金)(融)(办)(于)(2月)(底)(专)(门)(向)(前)(海)(股)(交)(中)(心)(发)(函)(,原)(则)(同)(意)(平)(台)(开)(展)(小)(额)(贷)(款)(同)(业)(拆)(借)(、短)(期)(融)(资)(凭)(证)(和)(收)(益)(权)(凭)(证)(等)(类)(资)(产)(证)(券)(化)(创)(新)(业)(务)(试)(点)(。  深)(圳)(金)(融)(办)(同)(时)(强)(调)(,小)(贷)(公)(司)(从)(银)(行)(机)(构)(、交)(易)(平)(台)(等)(外)(部)(合)(规)(渠)(道)(融)(入)(资)(金)(总)(额)(度)((含)(同)(业)(拆)(借)(),不)(得)(超)(过)(公)(司)(上)(年)(净)(资)(产)(的)(200%;同)(业)(拆)(借)(的)(拆)(出)(资)(金)(不)(得)(超)(过)(上)(年)(净)(资)(产)(的)(30%。  前)(海)(股)(交)(中)(心)(本)(次)(推)(出)(的)(正)(是)(金)(融)(办)(同)(意)(试)(点)(的)(三)(项)(业)(务)(。“三)(类)(产)(品)(的)(基)(本)(交)(易)(模)(式)(均)(采)(用)(非)(公)(开)(的)(私)(募)(方)(式)(发)(行)(,中)(心)(发)(挥)(资)(本)(要)(素)(交)(易)(平)(台)(和)(投)(融)(资)(互)(动)(平)(台)(的)(职)(能)(,帮)(助)(投)(融)(资)(双)(方)(实)(现)(信)(息)(对)(接)(,以)(及)(对)(产)(品)(权)(益)(和)(资)(金)(的)(清)(算)(交)(收)(。”甘)(捷)(称)(。  小)(贷)(公)(司)(同)(业)(拆)(借)(,类)(似)(于)(银)(行)(间)(同)(业)(拆)(借)(业)(务)(,主)(要)(是)(小)(贷)(公)(司)(之)(间)(运)(用)(资)(本)(金)(做)(短)(期)(信)(用)(拆)(借)(。  短)(期)(融)(资)(凭)(证)(的)(出)(资)(人)(则)(不)(限)(于)(小)(贷)(公)(司)(,而)(是)(放)(宽)(至)(有)(独)(立)(判)(断)(和)(一)(定)(风)(险)(承)(受)(能)(力)(的)(“合)(格)(机)(构)(投)(资)(者)(”,包)(括)(银)(行)(、券)(商)(、公)(募)(基)(金)(、私)(募)(基)(金)(、投)(资)(公)(司)(、资)(产)(管)(理)(公)(司)(等)(金)(融)(或)(类)(金)(融)(机)(构)(,以)(及)(在)(前)(海)(挂)(牌)(的)(3000多)(家)(企)(业)(法)(人)(。目)(前)(,尚)(未)(对)(个)(人)(投)(资)(者)(开)(放)(。  同)(业)(拆)(借)(和)(短)(期)(融)(资)(凭)(证)(期)(限)(最)(长)(分)(别)(不)(超)(过)(3个)(月)(、12个)(月)(,最)(短)(可)(达)(7天)(,具)(体)(期)(限)(可)(由)(拆)(借)(双)(方)(商)(定)(,目)(前)(尚)(未)(有)(标)(准)(化)(的)(期)(限)(和)(产)(品)(。  小)(贷)(资)(产)(收)(益)(权)(凭)(证)(,是)(以)(小)(贷)(公)(司)(的)(优)(质)(存)(量)(债)(权)(资)(产)(为)(基)(础)(,并)(在)(前)(海)(股)(交)(中)(心)(打)(包)(并)(转)(让)(,类)(似)(资)(产)(证)(券)(化)(产)(品)(,认)(购)(方)(范)(围)(也)(是)(“合)(格)(机)(构)(投)(资)(者)(”。  “前)(两)(个)(是)(通)(过)(发)(行)(类)(似)(私)(募)(型)(债)(权)(凭)(证)(形)(式)(,帮)(助)(小)(贷)(公)(司)(进)(行)(直)(接)(融)(资)(,投)(资)(者)(直)(接)(认)(可)(小)(贷)(公)(司)(,不)(关)(注)(具)(体)(投)(放)(项)(目)(,对)(小)(贷)(公)(司)(的)(资)(信)(状)(况)(与)(整)(体)(抗)(风)(险)(能)(力)(要)(求)(较)(高)(。”甘)(捷)(称)(,“收)(益)(权)(凭)(证)(是)(以)(能)(破)(产)(隔)(离)(的)(资)(产)(包)(作)(支)(持)(,如)(果)(小)(贷)(公)(司)(违)(约)(或)(破)(产)(,投)(资)(人)(可)(以)(直)(接)(向)(小)(贷)(资)(产)(借)(款)(人)(清)(收)(,相)(对)(于)(前)(两)(种)(产)(品)(,安)(全)(系)(数)(更)(高)(。”  标)(准)(化)(之)(辩)(  “第)(一)(单)(小)(贷)(短)(期)(融)(资)(凭)(证)(产)(品)(已)(经)(于)(3月)(14日)(成)(功)(发)(行)(,同)(业)(拆)(借)(也)(有)(一)(单)(在)(谈)(了)(。”甘)(捷)(透)(露)(。  前)(海)(股)(交)(中)(心)(的)(第)(一)(笔)(短)(期)(融)(资)(凭)(证)(由)(深)(圳)(奔)(达)(康)(金)(融)(集)(团)(旗)(下)(的)(民)(信)(达)(小)(贷)(公)(司)(作)(为)(融)(资)(主)(体)(发)(行)(,首)(期)(计)(划)(发)(行)(5000万)(,本)(次)(发)(行)(的)(为)(1000万)(半)(年)(期)(额)(度)(,认)(购)(方)(均)(为)(股)(交)(中)(心)(的)(挂)(牌)(企)(业)(,后)(续)(将)(继)(续)(发)(行)(余)(下)(4000万)(额)(度)(。  目)(前)(,股)(交)(中)(心)(已)(与)(深)(圳)(市)(84家)(小)(贷)(公)(司)(中)(的)(60余)(家)(建)(立)(了)(联)(系)(,并)(表)(达)(了)(融)(资)(需)(求)(意)(愿)(;与)(15家)(小)(贷)(公)(司)(确)(立)(了)(业)(务)(关)(系)(,并)(有)(项)(目)(在)(开)(展)(,即)(将)(作)(为)(首)(批)(业)(务)(合)(作)(方)(签)(署)(框)(架)(协)(议)(。按)(照)(目)(前)(的)(业)(务)(推)(广)(情)(况)(,认)(购)(资)(金)(的)(收)(益)(率)(在)(10%左)(右)(,加)(上)(担)(保)(费)(用)(、平)(台)(费)(用)(以)(及)(其)(他)(交)(易)(费)(用)(,小)(贷)(公)(司)(的)(总)(融)(资)(成)(本)(在)(15%左)(右)(,小)(贷)(公)(司)(同)(业)(拆)(借)(利)(率)(的)(浮)(动)(趋)(势)(则)(会)(参)(照)(银)(行)(间)(同)(业)(拆)(借)(Shibor利)(率)(变)(化)(。  “目)(前)(主)(要)(采)(取)(协)(议)(交)(易)(的)(方)(式)(,我)(们)(不)(会)(做)(集)(合)(竞)(价)(。”甘)(捷)(续)(称)(。  前)(海)(股)(交)(中)(心)(的)(小)(贷)(公)(司)(融)(资)(平)(台)(将)(采)(用)(线)(上)(交)(易)(方)(式)(,上)(述)(首)(单)(业)(务)(即)(通)(过)(“线)(下)(洽)(谈)(线)(上)(交)(易)(”的)(方)(式)(完)(成)(。该)(交)(易)(系)(统)(包)(括)(产)(品)(和)(资)(金)(登)(记)(、托)(管)(、结)(算)(等)(功)(能)(,以)(及)(流)(程)(化)(的)(交)(易)(规)(则)(运)(作)(,目)(前)(还)(处)(在)(内)(测)(阶)(段)(,尚)(未)(完)(全)(对)(外)(开)(放)(,预)(计)(第)(三)(季)(度)(成)(熟)(并)(推)(出)(。  此)(前)(,重)(庆)(金)(融)(资)(产)(交)(易)(所)(已)(推)(出)(小)(贷)(公)(司)(资)(产)(收)(益)(权)(交)(易)(产)(品)(,其)(不)(仅)(是)(系)(统)(线)(上)(交)(易)(,产)(品)(均)(标)(准)(化)(,如)(产)(品)(期)(限)(、认)(购)(额)(度)(均)(是)(标)(准)(化)(设)(置)(,担)(保)(公)(司)(合)(作)(机)(制)(也)(由)(平)(台)(建)(立)(一)(定)(标)(准)(,重)(庆)(还)(引)(入)(了)(第)(三)(方)(承)(销)(或)(报)(销)(的)(标)(准)(化)(发)(行)(机)(制)(。  前)(海)(股)(交)(中)(心)(虽)(然)(整)(体)(形)(式)(采)(用)(标)(准)(化)(构)(建)(,但)(交)(易)(结)(构)(和)(具)(体)(条)(款)(却)(未)(设)(置)(标)(准)(化)(体)(系)(,而)(是)(根)(据)(投)(融)(资)(双)(方)(商)(谈)(结)(果)(进)(行)(调)(整)(,如)(是)(否)(引)(入)(优)(先)(劣)(后)(分)(层)(机)(制)(、引)(入)(第)(三)(方)(主)(体)(提)(供)(担)(保)(、约)(定)(产)(品)(到)(期)(回)(购)(等)(。  据)(其)(规)(划)(,未)(来)(将)(基)(于)(合)(同)(电)(子)(化)(技)(术)(提)(供)(不)(同)(的)(交)(易)(结)(构)(、不)(同)(条)(款)(设)(置)(的)(组)(合)(选)(项)(,以)(模)(块)(化)(、积)(木)(化)(的)(方)(式)(为)(投)(融)(资)(双)(方)(定)(制)(合)(适)(的)(交)(易)(结)(构)(。  “这)(种)(方)(式)(更)(为)(灵)(活)(。现)(在)(是)(推)(广)(的)(初)(级)(阶)(段)(,规)(模)(还)(没)(形)(成)(,这)(样)(更)(容)(易)(满)(足)(不)(同)(客)(户)(的)(需)(求)(。而)(且)(这)(本)(身)(也)(是)(个)(非)(标)(准)(化)(的)(市)(场)(。”甘)(捷)(提)(到)(,“未)(来)(可)(能)(会)(丰)(富)(产)(品)(种)(类)(,但)(不)(一)(定)(是)(重)(交)(所)(那)(种)(模)(式)(,更)(多)(地)(是)(把)(参)(与)(各)(方)(的)(角)(色)(厘)(清)(,权)(利)(义)(务)(明)(晰)(。”  先)(求)(质)(量)(再)(重)(规)(模)(  “此)(前)(的)(融)(资)(旧)(规)(无)(疑)(是)(小)(贷)(公)(司)(的)("紧)(箍)(咒)(",通)(过)(出)(让)(收)(益)(权)(,小)(贷)(公)(司)(可)(获)(得)(新)(的)(资)(金)(进)(行)(放)(贷)(,加)(速)(了)(资)(金)(的)(周)(转)(和)(规)(模)(的)(壮)(大)(。”深)(圳)(中)(源)(小)(贷)(公)(司)(董)(事)(长)(郑)(喜)(长)(表)(示)(。  然)(而)(,目)(前)(地)(方)(监)(管)(对)(小)(贷)(资)(产)(证)(券)(化)(依)(然)(谨)(慎)(,转)(让)(的)(只)(是)(收)(益)(权)(而)(不)(是)(资)(产)(本)(身)(。更)(有)(甚)(者)(,目)(前)(通)(过)(资)(产)(证)(券)(化)(等)(工)(具)(放)(宽)(小)(贷)(公)(司)(外)(部)(融)(资)(比)(例)(的)(仅)(有)(广)(东)(、四)(川)(等)(少)(部)(分)(地)(区)(,在)(本)(次)(深)(圳)(通)(过)(前)(海)(两)(个)(交)(易)(所)(试)(点)(前)(,只)(有)(重)(庆)(通)(过)(当)(地)(金)(交)(所)(全)(面)(开)(展)(该)(业)(务)(。  “这)(个)(业)(务)(目)(前)(仅)(限)(于)(深)(圳)(的)(小)(贷)(公)(司)(。外)(地)(业)(务)(需)(要)(跟)(当)(地)(金)(融)(办)(沟)(通)(,因)(为)(小)(贷)(公)(司)(都)(是)(地)(方)(金)(融)(办)(监)(管)(的)(。”甘)(捷)(表)(示)(。  就)(算)(是)(深)(圳)(本)(地)(的)(小)(贷)(公)(司)(,本)(着)(风)(险)(控)(制)(的)(原)(则)(,前)(海)(股)(交)(中)(心)(也)(设)(置)(了)(准)(入)(门)(槛)(,主)(要)(关)(注)(小)(贷)(公)(司)(的)(内)(部)(控)(制)(、管)(理)(团)(队)(、历)(史)(业)(绩)(与)(现)(金)(流)(。其)(中)(包)(括)(:经)(营)(年)(限)(原)(则)(上)(应)(满)(一)(年)(、上)(年)(度)(净)(资)(产)(回)(报)(率)(应)(达)(到)(8%以)(上)(、无)(负)(面)(信)(用)(记)(录)(、逾)(期)(与)(坏)(账)(率)(应)(合)(乎)(要)(求)(等)(条)(件)(。  从)(投)(资)(方)(来)(看)(,小)(贷)(公)(司)(的)(贷)(款)(资)(产)(总)(体)(利)(率)(和)(风)(险)(都)(偏)(高)(,大)(额)(机)(构)(资)(金)(风)(格)(偏)(稳)(重)(,更)(愿)(意)(配)(置)(银)(行)(体)(系)(内)(债)(权)(或)(标)(准)(化)(的)(债)(券)(资)(产)(。作)(为)(场)(外)(资)(产)(,小)(贷)(资)(产)(对)(机)(构)(资)(金)(吸)(引)(力)(不)(大)(,更)(多)(地)(需)(要)(通)(过)(非)(常)(规)(手)(段)(推)(动)(企)(业)(或)(个)(人)(资)(金)(认)(购)(。比)(如)(,重)(庆)(金)(交)(所)(小)(贷)(资)(产)(证)(券)(化)(的)(认)(购)(资)(金)(主)(要)(来)(自)(重)(庆)(当)(地)(的)(国)(企)(。  甘)(捷)(进)(一)(步)(表)(示)(,“现)(在)(还)(在)(搭)(建)(平)(台)(的)(过)(程)(中)(,先)(做)(些)(尝)(试)(”。首)(先)(追)(求)(质)(量)(,把)(风)(险)(控)(制)(做)(好)(,产)(品)(不)(违)(约)(;然)(后)(才)(是)(效)(益)(,毕)(竟)(第)(一)(阶)(段)(的)(系)(统)(、人)(工)(、市)(场)(培)(育)(的)(投)(入)(都)(很)(大)(,中)(期)(要)(做)(到)(覆)(盖)(成)(本)(;最)(后)(才)(是)(追)(求)(规)(模)(,只)(有)(把)(基)(础)(打)(牢)(了)(,风)(险)(控)(制)(、业)(务)(、流)(程)(、模)(式)(清)(晰)(,运)(营)(能)(力)(提)(升)(之)(后)(量)(才)(能)(上)(来)(。(编)(辑)(赵)(萍)()
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