湖南省小额贷款公司发展问题研究

发布时间：2018-02-24 05:08

本文关键词： 湖南省小额贷款公司发展问题　出处：《湖南农业大学》2013年硕士论文　论文类型：学位论文

【摘要】：1994年,小额信贷以一种有效的扶贫模式被引入中国,引起了政府、学者和相关机构的极大关注。十余年后,小额信贷再次成为社会关注的焦点,2005年,银监会和人民银行开始在山西、四川、陕西、贵州、内蒙古开展“只贷不存”的小额贷款公司试点工作。2008年银监会和人民银行联合发布关于开展小额贷款公司试点的指导意见,为小额贷款公司提供政策指引。小额贷款公司是伴随我国金融改革和金融体制创新而产生的新生事物。小额贷款公司对于调动民间闲置资金,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。随着湖南省小额贷款公司的陆续成立,小额贷款公司在一定程度上解决了农村地区和中小企业融资难的问题。本文立足于湖南省,针对湖南省成立的小额贷款公司进行深入的分析,找出其发展中存在的问题,并提出相应的对策建议,完善小额贷款公司的发展。主要通过规范分析、比较分析、实证分析的方法对湖南省境内成立的小额贷款公司发展中存在的问题进行了深入的研究,具体的研究思路是：首先对小额贷款公司的国内外研究现状等进行了总结与归纳,论述了小额贷款公司的涵义与特征,并阐述了小额贷款公司发展的一般理论；然后论述了湖南省小额贷款公司的发展现状,在进行现状分析的过程中,充分结合湖南省境内小额贷款公司的实际情况,了解了相应的现状后,分别对其所存在的问题及存在问题的原因进行了详细分析；最后,提出了相应的对策和建议,希望通过利用这些对策建议,促进湖南省小额贷款公司健康、稳步的发展。
[Abstract]:In 1994, microfinance was introduced into China as an effective model of poverty alleviation, which attracted great attention of the government, scholars and related institutions. More than ten years later, microfinance once again became the focus of social attention. The Banking Regulatory Commission (CBRC) and the people's Bank of China (PBOC) began the pilot work of "only lending and not saving" micro-loan companies in Shanxi, Sichuan, Shaanxi, Guizhou and Inner Mongolia. In 2008, the CBRC and the people's Bank jointly issued guidance on the pilot of micro-loan companies. Providing policy guidance for microfinance companies. Microfinance companies are new things that have emerged along with China's financial reform and financial system innovation. Microfinance companies are concerned about mobilizing private idle funds. It is very important to guide private funds to carry out financial activities legally and increase financial supply, so as to alleviate the financing difficulties of rural and small and medium-sized enterprises. To a certain extent, microfinance companies have solved the problem of financing difficulties in rural areas and small and medium enterprises. Based on Hunan Province, this paper makes a deep analysis on the micro-loan company set up in Hunan Province, finds out the existing problems in its development, and puts forward corresponding countermeasures and suggestions to perfect the development of micro-credit company. Comparative analysis, empirical analysis of the methods of the establishment of small loan companies in Hunan Province in the development of existing problems, The specific research ideas are as follows: firstly, it summarizes and summarizes the domestic and international research status of microfinance companies, discusses the meaning and characteristics of microfinance companies, and expounds the general theory of the development of microfinance companies; Then it discusses the current situation of the development of the small loan company in Hunan Province. In the course of the analysis of the present situation, it fully combines the actual situation of the small loan company in Hunan Province and understands the corresponding present situation. Finally, the author puts forward the corresponding countermeasures and suggestions, hoping to promote the healthy and steady development of Hunan micro-credit company by using these countermeasures and suggestions.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

【参考文献】