【10.2.25 华尔街日报】中国考虑合法化灰色领域借贷者
【原文标题】China Weighs Legalizing Gray-Area Lenders【中文标题】中国考虑合法化灰色领域借贷者
【来源网址】http://online.wsj.com/article/SB10001424052748703795004575087010180069620.html( z7 G
【原文库链接】http://bbs.m4.cn/thread-225892-1-1.html
【译者】Zhongdong_Wang
【翻译方式】人工翻译
【特别声明】本翻译供Anti-CNN使用，未经AC或译者许可，不得转载
【译文】
China Weighs Legalizing Gray-Area Lenders
中国考虑合法化灰色领域借贷者
BEIJING—China's central bank favors legalizing some gray-area private lenders and removing ceilings on interest rates, an official said Thursday, changes that would make it easier for the nation's small and private businesses to get loans.`
北京——中国中央银行帮助合法化一些灰色领域私人贷款者并取消利率封顶，一位官员星期四说，规则的改变能使这个国家的小型和私人企业更容易获得贷款。
The People's Bank of China plans to submit proposals for the regulatory changes to the State Council, or cabinet, as soon as possible, said Zhou Xuedong, director general of the central bank's law and regulation department.
中国人民银行计划尽快向国务院，或称内阁，提交管理调整的建议书，中央银行法规部局长周学东说。
The proposals come as China's government has said it wants to boost the development of the private sector, which has traditionally been at a disadvantage in getting loans from the largely state-dominated banking sector.
建议书出台于中国政府表示想要促进私营领域发展的时候，该领域传统上一直处于从国家占主导地位的银行部门获取贷款的不利地位。
Mr. Zhou said the central bank plans to propose removing a rule that has been in place since 1995 that caps interest rates charged by makers of microloans at four times the benchmark lending rate. He told a financial forum in Beijing that in practice many microlending firms have charged rates above the ceiling, which was put in place to protect poorer people from possible predatory lending. Mr. Zhou said the situation has improved, so a rule change would be appropriate.
周先生说中央银行计划提议取消一项从1995年来设置的规定，该规定限制小额贷款发放者收取的利率不得高于基准借贷利率的四倍。他告诉北京的一个金融论坛，事实上许多小额借贷公司已经在收取高于限制的利率，设置这个限制是为了保护穷人被掠夺性借贷。周先生说情况已经有了进展，所以对一项规则做出更改是适合时宜的。
He also said the central bank has drafted a proposal to legalize non-bank private-lending firms, which have been playing an important role in supporting some small businesses, despite their semilegal gray-market status.
他还说中央银行已经起草了一份提议以合法化非银行性质的私营借贷公司，这些公司在支持一些小型企业中扮演了重要的角色，尽管他们处于半合法化灰色市场状态。
"We should acknowledge the facts, let these firms emerge from underwater to enjoy the sunshine and remove the restrictions," he said.
“我们得承认这些事实，让这些公司浮出水面享受阳光并取消对他们的限制，”他说道。
The government has repeatedly pledged to improve the availability of credit to small businesses. While regulators are seeking to slow overall lending this year from last year's torrid pace, the China Banking Regulatory Commission said earlier this week that banks should ensure that they lend as much or more to smaller businesses this year as in 2009.
政府已经反复承诺改善对小型企业的信贷效益。同时协调部门正在争取从去年快速增长的步伐上减缓今年的总体借贷，中国银行业监督管理委员会本周初说各银行应确保今年对小型企业的贷款和2009年一样多或更多。
Mr. Zhou said government officials differ on the lending ceiling, as the rules haven't been finalized yet. The central bank has been leading the effort to amend the rules and has held talks with other government agencies, he said on the sidelines of the forum.
周先生说政府官员在借贷限制上给予区别对待，因为这些规则的建立还没有最终完成。中央银行已经带头致力于修改这些规则之中并且已经和其他一些政府机构进行了谈话，他在论坛举行期间说。
China's banks have been keen to lend to large or state-owned enterprises, while the share of credit going to smaller or private firms remains small due to concerns about their ability to repay loans and the transparency of their asset structure.
中国各银行已经迫不及待想要贷款给大型或者国有企业，原因是现在要么信贷比重正在越来越小要么私营公司停留在较小规模必然牵涉到他们偿还贷款的能力而且这些公司资产结构的透明度不够。
Mr. Zhou said the central bank proposed continuing to supervise private-lending firms relatively loosely as long as they get their funds from legal sources and use them properly.
周先生说中央银行提议继续相对宽松地监控私营借贷公司直到它们从合法来源获得资金并合理利用这些资金。
He said the central bank will also propose easing restrictions to allow microlending firms to borrow money.
他说中央银行还要提议放宽限制允许小额借贷公司举债经营。
The PBOC plans to let microlending firms borrow amounts equal to no more than two times their net capital from up to two financial institutions and one non-financial institution, in comparison with the previous ceiling of 50% of their net capital, he said.—Victoria Ruan
中国人民银行（PBOC）计划允许小额借贷公司向最多两家金融机构和一家非金融机构借钱经营，与先前允许的净额资本的50%的限额相比较，允许的借款额不得超过它们净额资本的两倍。——维多利亚●阮 学习，顶一下
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