安徽省A小额贷款公司的SWOT分析

发布时间：2018-04-30 18:13

本文选题：小额贷款公司 + 中小企业　；参考：《贵州财经大学》2013年硕士论文

【摘要】：小额贷款公司的出现是金融不断发展创新的结果。因为在现有的金融服务体系下，无法更好的为中小企业和农户提供金融服务，而小额贷款公司的设立就是为了帮助他们解决融资难的问题，进而有利于激活农村的金融市场以及打破银行等金融机构的垄断地位，小额贷款公司可以为更多具有不同金融需求的客户提供差异化的产品和服务。可是实际情况是小额贷款公司属于股份制公司，以市场为主要经营原则，从自身的利益角度出发，而中小企业以及农户一般来说属于资金的需求方，是信贷市场的弱势群体，再加上小额贷款公司本身的管理不完善、制度的设计存在一定缺陷，现在很多公司陷入了经营困境，无法达到设立小额贷款公司的初衷。本文以安徽省A小额贷款公司为例展开调查和研究，，以SWOT分析为主要研究方法。本文第一部分介绍了安徽省A小额贷款公司的基本情况以及详细描述了公司的经营特色。本文第二部分采用SWOT研究方法，分别从优势、劣势、机会以及威胁这四个角度对小额贷款公司的经营模式、资金监管等方面展开调查，这是本文的主要内容。首先分析了安徽省A小额贷款公司发展的有利因素，公司采用的是最新版本的质量管理体系IS09001:2008；在充分发挥其“短、小、快”的经营优势下，积极创新担保方式，推行联贷联保的贷款模式。其次揭示了公司所存在的一些问题,分别从公司的性质、资金的来源、税收负担以及征信接口缺失等方面进行阐述。然后针对这些情况提出相应的解决方案，公司应该创新产品服务，可以采用“授信额度”的贷款方式以及“小额信贷—农业公司—农户”等信贷模式；根据国家的政策规定还可以选择发展成为专业贷款公司、社区民营银行或者是村镇银行。最后分析公司可能会出现控股权改变、风险加大等问题。本文的第三部分是根据上述的分析分别提出S-O、S-T、W-O和W-T战略，为实现小额贷款公司的可持续发展提供一定的借鉴意义。本文的第四部分是结论，小额贷款公司是金融发展创新的结果，符合时代的发展潮流，小额贷款公司要充分发挥其“短、小、快”的优势，积极引导农村的金融创新，努力拓展中小企业的融资渠道，真正成为解决中小企业和“三农”融资问题的重要力量。
[Abstract]:The emergence of microfinance companies is the result of continuous financial development and innovation. Because under the existing financial services system, it is impossible to provide better financial services to small and medium-sized enterprises and farmers, and microfinance companies have been set up to help them solve the problem of financing difficulties. In order to activate the rural financial market and break the monopoly position of banks and other financial institutions, microfinance companies can provide more customers with different financial needs with differentiated products and services. However, the actual situation is that small loan companies belong to joint-stock companies, taking the market as the main operating principle and proceeding from the angle of their own interests, while small and medium-sized enterprises and farmers generally belong to the demand side of funds, which is a weak group in the credit market. In addition, the management of microfinance companies itself is not perfect, there are some defects in the design of the system, now many companies are in a business dilemma, unable to achieve the original intention of setting up microfinance companies. In this paper, A small loan company in Anhui Province as an example to investigate and research, with SWOT analysis as the main research method. The first part of this paper introduces the basic situation of A small loan Company in Anhui Province and describes the management characteristics of the company in detail. The second part of this paper uses SWOT research method, respectively from the strengths, weaknesses, opportunities and threats from these four aspects of the micro-credit company business model, capital supervision and other aspects of the investigation, which is the main content of this paper. First of all, it analyzes the favorable factors for the development of A Microloan Company in Anhui Province. The company adopts the latest version of the quality management system IS09001: 2008. Under the condition of giving full play to its advantages of "short, small and fast", it actively innovates the guarantee method. Carry out the loan mode of joint loan guarantee. Secondly, it reveals some problems in the company, including the nature of the company, the source of funds, the tax burden and the lack of credit interface. Then put forward the corresponding solutions to these situations, the company should innovate products and services, can use "credit line" loan and "micro-credit-agricultural company-farmer" and other credit models; According to the national policy also can choose to develop into professional loan companies, community private banks or village banks. Finally, the company may appear control changes, increased risk and other issues. According to the above analysis, the third part of this paper puts forward the strategies of S-OFS-TGW-O and W-T, which can provide some reference for the sustainable development of micro-credit companies. The fourth part of this paper is the conclusion that microfinance companies are the result of financial development and innovation, in line with the development trend of the times, microfinance companies should give full play to their advantages of "short, small and fast" and actively guide rural financial innovation. Efforts to expand the financing channels of small and medium-sized enterprises, really become an important force to solve the financing problems of small and medium-sized enterprises and agriculture, rural areas and farmers.
【学位授予单位】：贵州财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39

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