论浙江省小额贷款公司的可持续发展

发布时间：2018-06-13 02:52

本文选题：小额贷款 + 可持续发展　；参考：《浙江工业大学》2013年硕士论文

【摘要】：改革开放以来,中国经济开始起飞,但“三农”问题仍然是当前社会中的热点问题。随着农村金融改革深化,农村金融制度创新层出不穷。尤其进入新世纪以来,在“贷款难”越来越成为“三农”发展瓶颈的背景下,农村金融领域内不仅进行了存量方面深刻的改革与创新,而且增量改革也全面启动。另一方面,党的十五大以来,我国的中小企业发展迅速,覆盖了国民经济各个领域,是我国经济发展的基本力量,更是支撑浙江经济的“定海神针”。但在全国金融危机、人民币升值、新劳动法实施、宏观调控紧缩银根等因素的综合作用下,中小企业也面临着近几年来最严峻的挑战,其中导致中小企业陷入困境的主要原因之一仍是融资问题。农户和中小企业的资金需求得不到满足,使得他们转向了民间金融。因此,如何治理民间金融市场,使其规范的运营,并更好的为“三农”和中小企业融资服务,是摆在全社会面前的一道难题。小额贷款公司是伴随金融体制创新和我国金融改革而产生的新生事物,它对弥补现有金融机构信贷不足,调动民间闲置资金,引导民间资金合法地开展金融活动及增加金融供给、缓解农村与中小企业融资困境具有非常重要的作用。虽然小额贷款公司发展总体顺利,但也普遍存在着“成长的烦恼”,比如相关制度不够完善,不能享受金融机构相关优惠政策；资本规模有限,后续资金来源不足；经营风险较大；竞争激烈机会成本较高；内部治理有待加强等一系列问题。所以,研究小额贷款公司如何能可持续发展,对于促进金融系统的完整性,及整个经济的可持续发展有着重要的意义。本文通过分析YK小额贷款公司的案例,探讨了解决浙江省小额贷款行业存在的问题的方法,但目前该行业还处于试运行阶段,如何才能让浙江省小额贷款公司可持续发展,这还需要长期的研究实践,需要政府、社会及公司自身多方面的努力。
[Abstract]:Since the reform and opening up, China's economy has begun to take off, but the issue of agriculture, rural areas and farmers is still a hot issue in the current society. With the deepening of rural financial reform, rural financial system innovation is emerging in endlessly. Especially since entering the new century, under the background that "loan difficulty" has become the bottleneck of the development of "agriculture, countryside and farmers", the rural financial field has not only carried on the profound reform and innovation in the aspect of stock, but also initiated the incremental reform in an all-round way. On the other hand, since the 15th National Congress of the Party, the small and medium-sized enterprises of our country have developed rapidly, covering all fields of the national economy, which is the basic force of our country's economic development, and it is also the "magic needle" of supporting the economy of Zhejiang Province. However, under the combined action of the national financial crisis, the appreciation of the RMB, the implementation of the new labor law, and the macro-control and tightening of money, small and medium-sized enterprises are also facing the most severe challenges in recent years. One of the main reasons for the difficulties of SMEs is still the financing problem. Farmers and small-and-medium-sized enterprises can not meet the funding needs, so that they turned to private finance. Therefore, how to govern the private financial market, make its standard operation, and better for the "agriculture, rural areas" and small and medium-sized enterprises financing services, is a difficult problem in front of the whole society. Microfinance company is a new thing that comes into being along with the innovation of financial system and the financial reform of our country. It can make up for the insufficient credit of existing financial institutions and mobilize private idle funds. It is very important to guide private funds to carry out financial activities legally and increase financial supply to alleviate the financing difficulties of rural and small and medium-sized enterprises. Although the development of microfinance companies is generally smooth, there are also "growing pains", such as the related system is not perfect, can not enjoy the relevant preferential policies of financial institutions, the capital scale is limited, and the subsequent sources of funds are insufficient; Management risk is bigger; competitive opportunity cost is higher; internal governance needs to be strengthened and so on a series of problems. Therefore, it is of great significance to study the sustainable development of microfinance companies for promoting the integrity of the financial system and the sustainable development of the economy as a whole. Through analyzing the case of YK Microloan Company, this paper discusses the methods to solve the problems existing in the microfinance industry in Zhejiang Province, but at present the industry is still in the trial operation stage, how to make the sustainable development of Zhejiang Microloan Company, This also needs long-term research practice, the government, the society and the company itself many efforts.
【学位授予单位】：浙江工业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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