东营市小额贷款公司可持续发展研究

发布时间：2018-01-31 03:16

本文关键词： 小额贷款公司可持续发展东营案例　出处：《中国石油大学(华东)》2013年硕士论文　论文类型：学位论文

【摘要】：“三农”问题与中小企业融资难问题是长期以来困扰我国经济发展中的两大问题。囿于农业先天的弱质性、中小企业抵押和质押资产的不足,正规金融渠道难以与其有效对接。在这种背景下,2008年国家出台了《关于小额贷款公司试点的指导意见》,小额贷款公司应运而生。小额贷款公司在我国是一个新生事物,成立以来在有效配置金融资源、引导资金回流“三农”方面发挥了积极作用,并将民间借贷纳入了金融管理体系,使其进一步阳光化、规范化。小额贷款公司成立的初衷是服务于“三农”,尤其是农户和微型企业,但是在实际运营中,因为追求财务可持续、只贷不存等制度安排,小额贷款公司正在走向变异,逐渐偏离当初的政策定位。本文选择东营地区的小额贷款公司作为研究对象,对小额贷款公司可持续发展进行了重新定义。指出小额贷款公司除简单的满足财务可持续外,还应服从其政策定位。在分析东营地区小额贷款公司发展现状和可持续性的基础上,探究影响其可持续发展的因素,并提出一系列的建议措施,争取实现小额贷款公司的可持续性发展。
[Abstract]:The problem of "agriculture, countryside and farmers" and the difficulty of financing for small and medium-sized enterprises (SMEs) are the two major problems that haunt the economic development of our country for a long time. Due to the inherent weakness of agriculture, the shortage of mortgage and pledge assets of small and medium-sized enterprises. Formal financial channels are difficult to connect with them effectively. In this context, in 2008, the country issued the guidance on the pilot of micro-credit companies. Microfinance companies came into being. Microfinance companies in China is a new thing, since its establishment in the effective allocation of financial resources, guiding the return of funds to the "three rural" has played an active role. And private lending into the financial management system, further sunshine, standardization. The original intention of the establishment of microfinance companies is to serve the "three rural", especially farmers and micro-enterprises, but in the actual operation. Because of the pursuit of financial sustainability, only loan no savings and other institutional arrangements, microfinance companies are moving towards variation, gradually deviating from the original policy positioning. This paper chooses the small loan companies in Dongying area as the research object. The sustainable development of microfinance companies has been redefined. It is pointed out that microfinance companies only simply meet the financial sustainability. On the basis of analyzing the present situation and sustainability of the development of small loan companies in Dongying area, we should explore the factors that affect their sustainable development, and put forward a series of suggestions and measures. Strive to achieve the sustainable development of microfinance companies.
【学位授予单位】：中国石油大学(华东)
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

【相似文献】