云南省小额贷款公司可持续发展研究

发布时间：2018-02-12 11:50

本文关键词： 小额贷款公司现状及问题思路及模式发展对策　出处：《云南大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着金融体制改革的深入,小额贷款公司已成为健全农村金融体系、发展县域经济不可缺少的重要组成部分,不仅为我国“三农”的发展提供了优质、高效、便捷的服务,也为地方政府规范民间融资促进县域经济提供了一条新路径。但是,法律法规不健全、自身身份定位不明、金融监管基础薄弱、外延融资困难、融资成本高、抗风险能力弱等困难将成为制约小额贷款公司持续发展的瓶颈,并引起了社会各界的高度关注。本文系统分析了国内外小额信贷公司的发展现状及其特点,深入探讨制约云南省小额贷款公司发展的法律缺失、内部制度建设不完善、人才缺失、监管体系不健全等主要因素。通过对云南省小额贷款公司进行SWOT分析,结合国内外发展小额贷款公司在资金来源、客户群体细分、坚持市场化运作、执行较高利率等方面的先进经验,提出了云南省小额贷款公司未来可持续发展的思路及重点,并探讨了云南省小额贷款公司未来的6种发展模式。从改善外部环境、完善内部制度建设、健全监管体系等方面提出了促进云南省小额贷款公司可持续发展的13条对策,对云南省小额贷款公司未来可持续发展有着较强的现实指导意义。
[Abstract]:With the deepening of the reform of the financial system, microfinance companies have become an indispensable part of improving the rural financial system and developing the county economy, which not only provides high-quality, efficient and convenient services for the development of agriculture, countryside and farmers in our country. It also provides a new way for local governments to standardize private financing and promote county economy. However, the laws and regulations are not perfect, their identity is unclear, the foundation of financial supervision is weak, the extension of financing is difficult, and the financing costs are high. Difficulties such as weak ability to resist risks will become the bottleneck restricting the sustainable development of microfinance companies and have aroused great concern from all walks of life. This paper systematically analyzes the current situation and characteristics of microfinance companies at home and abroad, and probes into the lack of laws, imperfect internal system construction and lack of talents, which restrict the development of micro-credit companies in Yunnan Province. Through the SWOT analysis of Yunnan Microloan Company, combining with the domestic and international development of microfinance companies in the source of funds, customer groups subdivision, adhere to the market-oriented operation, This paper puts forward the ideas and key points of the sustainable development of Yunnan Microloan Company in the future, and probes into the six development models of Yunnan Microloan Company in the future. This paper puts forward 13 countermeasures to promote the sustainable development of Yunnan Microloan Company in the aspects of perfecting the internal system construction and perfecting the supervision system, which has a strong practical guiding significance for the sustainable development of Yunnan Microloan Company in the future.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F272;F832.39

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