我国小额贷款公司可持续运营研究

发布时间：2018-06-20 22:43

本文选题：小额贷款公司 + 可持续运营　；参考：《天津财经大学》2012年硕士论文

【摘要】：自2005年底小额贷款公司试点工作开展以来,到目前为止小额贷款公司在中国的发展历史有6年之多。2008年5月发布了《关于小额贷款公司试点的指导意见》后,小额贷款公司在我国蓬勃发展。作为一种新型的农村金融组织,小额贷款公司在一定程度上填补了正规金融机构退出农村后的金融空缺,打破了信用社在农村金融上的垄断格局,引进了民间资本,缓解了“三农”和中小企业融资难的问题。小额贷款公司对活跃农村金融市场,改善农村地区金融服务发挥了重大作用。但是在6年的发展过程中,小额贷款公司也遇到了很多来自自身和外界环境的难题,例如资金匮乏、人才有限、监管不明等问题。如何解决这些问题,使小额贷款公司可持续运营与发展,是本文探讨的问题。本篇文章在介绍了小额信贷及小额贷款公司基础理论的基础上,结合我国小额贷款公司的发展状况及特点,利用案例调查法,定性与定量的分析了河北省小额贷款公司的运营状况,从制度、自身发展、产品创新和风险控制四个角度出发,深入剖析了我国小额贷款公司在运营中面临的困境及其产生的原因。之后,运用归纳演绎的方法总结了孟加拉格菜珉乡村银行和印度尼西亚人民银行乡村信贷部的运营经验。在此基础上,本文借鉴了国外小额信贷机构的运营经验,结合了我国小额贷款公司的实际情况,有针对性的提出了我国小额贷款公司可持续运营的策略。这些策略包括四个方面：从政府角度讲,要明确身份地位、进行有效监管、加大政策扶持力度、明确发展前景；从自身层面来讲,要补充后续资金来源、完善内部治理结构、加强培训提高员工素质；在产品方面,要加大金融产品的创新力度和推进灵活多样的担保方式；在风险控制方面,要加强信贷管理,培育良好的金融环境等。
[Abstract]:Since the launch of the pilot work of microfinance companies at the end of 2005, there have been as many as six years of development history of microfinance companies in China so far. After the release of the guidance on the pilot projects of Microcredit companies in May 2008, Microfinance companies are booming in China. As a new type of rural financial organization, microfinance companies to a certain extent filled the financial gap after the formal financial institutions withdrew from rural areas, broke the monopoly pattern of credit cooperatives in rural finance, and introduced private capital. Alleviates the "three rural" and the small and medium-sized enterprise financing difficulty question. Microfinance companies have played a major role in activating rural financial markets and improving financial services in rural areas. But in the six years of development, microfinance companies have also encountered a lot of problems from their own and external environment, such as lack of funds, limited talent, regulatory problems and so on. How to solve these problems and make microfinance companies sustainable operation and development is the problem discussed in this paper. On the basis of introducing the basic theory of micro-credit and micro-credit companies, and combining the development and characteristics of micro-credit companies in China, this article makes use of the case investigation method. Qualitative and quantitative analysis of the operation of small loan companies in Hebei Province, from the system, self-development, product innovation and risk control four angles, This paper deeply analyzes the difficulties faced by microfinance companies in operation and their causes. After that, the operational experience of Grameen Bank of Bangladesh and the Credit Department of the people's Bank of Indonesia is summarized by inductive and deductive methods. On this basis, this paper draws lessons from the operation experience of foreign micro-credit institutions, combined with the actual situation of micro-credit companies in China, and puts forward the sustainable operation strategy of micro-credit companies in China. These strategies include four aspects: from the perspective of the government, it is necessary to define the status of identity, carry out effective supervision, increase policy support, and make clear the prospects for development; at its own level, it is necessary to supplement the sources of follow-up funds and improve the internal governance structure. Strengthen the training to improve the quality of employees; in the product, we should increase the innovation of financial products and promote flexible and diverse ways of guarantee; in the risk control, we should strengthen credit management, foster a good financial environment, and so on.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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