小额贷款公司为经济建设做出了积极贡献（Small loan companies have made positive contributions to economic construction）.doc

小额贷款公司为经济建设做出了积极贡献（Small loan companies have made positive contributions to economic construction） The small loan company as a new thing, in promoting the diversified development of the group at the same time, also made a positive contribution to the local economic construction, the important role of small and medium-sized enterprises, in order to alleviate the pressure of small agricultural loans, individual industrial and commercial. Moderate relaxation of policies to make small loans more sunshine The biggest difference between microfinance companies engaged in financial business and traditional financial institutions, small loan companies, the principle of credit only, which is not only to absorb public deposits, the registered capital as lending sources of funding, and can not enjoy the financial industry related to property tax concessions or relief policy. But small loan company has clear property rights, corporate governance mechanism, the advantages of flexible, simple procedures, loan fast approval, do not pay attention to the collateral (pledge), which greatly eased the financing difficulties of small and micro enterprises, individual businesses and other groups, to promote economic development plays an important role. Hu Xinquan said that although small loan companies made a positive contribution to economic construction, but in terms of policy, the country seems to be somewhat unfair to small loan companies, which also restricts the development of the industry. In the current policy, the individual clause provides that the small loan company shall not grant more than 5% of the net capital of the company. In other words, if the micro credit company registered capital of 30 million, the maximum single loan can not exceed 1 million 500 thousand. Hu Xinquan thinks, this regulation is unscientific, each district should be increased moderately according to circumstances. At present, some Small and micro businesses because there is no collateral to the bank, n