F小额贷款公司的经营与发展研究

发布时间：2018-01-16 05:17

本文关键词：F小额贷款公司的经营与发展研究　出处：《西南财经大学》2012年硕士论文　论文类型：学位论文

【摘要】：自从2005年中国人民银行首次批准在山西、陕西、四川、贵州和内蒙古五省(自治区)进行“可持续性和商业性小额贷款机构”试点以来,我国商业性小额贷款公司有了突飞猛进的发展。截止2012年12月末,我国小贷公司数量已经达到6080家,贷款余额5921.38亿元,从业人员70343人,为不少农户、个体工商户和小微企业提供了资金帮助。在行业迅猛发展的同时,小额贷款公司也存在着许多的问题。比如逐利性过重导致小额贷款公司在运作上缺乏规范性,普遍存在着收取服务费和管理费的现象,使得贷款的实际年化利率超过四倍基准利率。同时,小额贷款公司发放的单笔贷款金额普遍偏大,发放的贷款中涉及三农的比例也较小,与“小额、分散”的原则存在着一定的偏差。除了自身经营方面存在的问题外,由于现行政策对小额贷款公司经营区域、资金来源等诸多方面的限制,小额贷款公司的发展尚存很多障碍和不确定因素。在这样的背景下,我国商业性小额贷款公司的具体经营情况如何,未来又该何去何从?基于这些问题,本文以一家总部设立在成都,业务涉及四川、重庆和湖北三地的F小贷公司为例,分析我国商业性小贷公司的经营现状,总结其目前的特征和存在的问题,并据此给出解决方案,提出一些发展建议。F小贷公司作为一家运作较为规范、业务量较大的小额贷款公司,一方面具有商业性小额贷款公司的普遍特性,能较好的反映目前商业性小额贷款公司在经营中面临的问题；同时,其母公司在国外拥有丰富的微贷运作经验,使得F小贷在运作上具有一定的先进性和创新性,值得我国众多的商业性小额贷款公司借鉴参考。本文采取案例分析的形式,收集了大量的一手资料,利用多种分析手段,将理论与实际有机的结合起来,力求为我国商业性小额贷款公司的运作发展给出一定的建议。文章首先介绍了写作的背景和意义,介绍了我国商业性小额贷款公司的发展历程以及F小额贷款公司的代表性,同时总结了前人的研究,介绍了目前国内关于小额贷款的讨论集中于国外成功的小额贷款机构运作模式及在中国的适用性,探讨实践中商业性小额贷款公司存在的各种问题。接下来对F小额贷款公司的基本情况、产品特征、贷款审批流程等经营模式方面进行了介绍。然后分析了四川、重庆和湖北三地的宏观经济运行情况和小额贷款公司的发展情况,指出三地小额贷款市场潜力巨大,适合F小贷公司的发展。在此基础上,对F小额贷款公司的经营情况进行了分析总结,纵向分析F小贷公司整体的发展过程的同时,横向比较公司内部三地公司分别的经营情况,在此基础上对比总结F公司的经营特征,同时利用SWOT分析法对F小贷公司在经营中的优势与劣势、面临的机会和障碍进行总结。最后,根据前文的总结,为F小贷公司在经营发展方面存在的问题提出可能的解决方案和建议,同时也指出了现有小额贷款公司支持政策存在的一些缺陷和改进方向。
[Abstract]:Since 2005 the people's Bank of Chinese approved for the first time in Shanxi, Shaanxi, Sichuan, Guizhou and Inner Mongolia five provinces (autonomous regions) since the "sustainable and commercial microfinance institutions" pilot, commercial microfinance companies in China have developed rapidly. By the end of 12 at the end of 2012, the number of China's small loan company has reached 6080 home loans 592 billion 138 million yuan, employing 70343 people, as many farmers, individual industrial and commercial households and Small and micro businesses to provide financial help.
In the rapid development of small loan companies at the same time, there are also many problems. Such as the result of the heavy profit microfinance company is lack of standardization in operation, widespread service fees and management fees, the actual loan annualized rate of more than four times the benchmark interest rate. At the same time, the amount of a single loan small loans companies generally too large, loans involving agriculture proportion is small, and the "small, scattered" principle exist certain deviation. In addition to their own business problems, due to the current policy on the regional management of small loan companies, sources of funds and other restrictions, the development of the remaining small loan companies many obstacles and uncertain factors.
In this context, how the specific operating conditions of small loan companies in China and the future of the business, based on these problems, decide on what path to follow? In this paper, a headquarters in Chengdu, Chongqing and Hubei business in Sichuan, three of the F small loan company as an example, analysis of the current management of commercial small loan company in China the summary of the current characteristics and problems, and gives the solution, puts forward some development suggestions of.F small loan company as a business operation of more standardized, large amount of small loan companies, generally has the characteristics of commercial microfinance companies on the one hand, can reflect the current commercial microfinance companies face in the operating problems; at the same time, its parent company in a foreign country with rich micro credit operation experience, making the F small loan is advanced and innovative in operation, is worth of our numerous small business In the form of case analysis, we collected a lot of first-hand data, combined with theory and practice, and tried to provide some suggestions for the operation and development of commercial micro credit companies in China.
This paper firstly introduces the background and significance of writing, introduces the representative course of development of China's small loan company and F commercial microfinance companies, and summarizes the previous research, introduces the current discussion about microfinance focused on domestic small loan institutions overseas successful mode of operation and applicability in the Chinese to investigate the various problems, small loan companies in commercial practice. Then the basic situation of the F small loan company product characteristics, in terms of the loan approval process and other business model are introduced. Then the analysis of Sichuan, Chongqing and Hubei three to the macroeconomic situation and the development of small loan companies, pointed out three microfinance market has great potential for the development of F, a small loan company. On this basis, the operation of the F small loan company were analyzed and summarized, the longitudinal analysis F The development process of the company's overall credit at the same time, the internal comparison company three companies were operating conditions, on the basis of comparing the operating characteristics of F company, and the advantages and disadvantages in the management of F small loan company by SWOT analysis, the opportunities and obstacles in summary. Finally, according to the above summarize and propose possible solutions and suggestions for F small loan companies existing in business development issues, but also pointed out that the existing microfinance company support policy has some defects and the direction of improvement.

【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4;F272.3

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