组建诸暨市八方小额贷款有限公司的可行性研究

发布时间：2018-03-26 21:04

本文选题：小额贷款公司　切入点：竞争策略　出处：《中南大学》2013年硕士论文

【摘要】：2005年10月,在中国人民银行的主导下,在山西、陕西、四川、贵州、内蒙古5个试点省(区)进行商业性小额贷款公司的试点工作,开始了对由私人出资设立,不能存款只能发放贷款的主要服务于三农的非银行机构模式的探索。在国家相关政策的支持下,我国小额贷款公司得到了迅速发展。但在复杂的金融环境下,小额贷款公司也面临着定位模糊、融资渠道狭窄、过于沉重的税收负担和其他金融机构的竞争等一系列的问题。笔者通过对国内小额贷款公司发展现状的分析,提出小额贷款公司目前发展存在的困难。按照小额贷款公司设立要求,结合诸暨当地经济发展状况和经济特色,对组建诸暨市八方小额贷款有限公司进行可行性研究。公司以贷款业务为主,以中间业务为辅,挖掘客户资源,向产业内部延伸,通过对运营能力、盈利能力等指标的评价为公司以后开展业务做好充分的准备及明确发展方向。最后本文对小额贷款公司的信贷风险因素成因和风险控制政策进行详细的分析,为今后诸暨市八方小额贷款公司的发展提供一些可参考的运作模式,同时也为同行业其他经营者提供借鉴和帮助。
[Abstract]:In October 2005, under the leadership of the people's Bank of China, the pilot work of commercial microfinance companies was carried out in five pilot provinces (autonomous regions) in Shanxi, Shaanxi, Sichuan, Guizhou and Inner Mongolia. The exploration of the mode of non-bank organization which can only provide loans to farmers, farmers and farmers. With the support of relevant national policies, microfinance companies in China have developed rapidly. But in the complex financial environment, Microfinance companies also face a series of problems, such as vague positioning, narrow financing channels, too heavy tax burden and competition of other financial institutions. Based on the analysis of the current situation of the development of domestic microfinance companies, the author puts forward the difficulties existing in the development of micro-credit companies. According to the requirements of the establishment of micro-credit companies, the author combines the local economic development situation and economic characteristics of Zhuji. Feasibility study on the establishment of Zhuji Bafang Microcredit Co., Ltd. The company mainly focuses on lending business, supplemented by intermediate business, excavates customer resources, extends to the inside of the industry, and through the operation ability, The evaluation of profitability and other indicators for the company to carry out business in the future to make a full preparation and clear direction for development. Finally, this paper makes a detailed analysis of the causes of credit risk factors and risk control policies of microfinance companies. It provides some reference operation mode for the development of Zhuji Bafang Microloan Company in the future, and also provides reference and help for other operators of the same industry.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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