重庆市小额贷款公司发展困境及对策研究
发布时间：2018-08-22 13:36
【摘要】：中国人民银行于2005年在全国五省区开展小额贷款公司试点工作,从此我国小额贷款公司蓬勃发展,对社会经济发展做出了积极贡献,对中小企业和“三农”的生产经营起到了较大的扶持作用。但是在发展过程中仍存在着许多问题有待解决,特别是在西部经济欠发达地区,“三农”发展问题更为突出,资金缺乏问题更为明显,中小企业融资难问题更加严峻,而重庆市作为西部地区的典型城市之一也不例外,所以解决好小额贷款公司在经营管理过程中出现的问题,才能保障其健康持续发展。本文以金融抑制和深化理论、交易费用理论、信贷配给理论以及信息不对称理论为依托,从理论上分析了我国小额贷款公司的发展由来,再通过对重庆市小额贷款公司进行实地调研,获取相关数据并结合西部地区的发展特点,探究重庆市小额贷款公司的发展现状,探寻其面临的发展困境,并针对出现的这些问题提出相应的解决措施,从而帮助重庆市小额贷款公司更好的发展。通过研究本文得出如下结论:(1)重庆市小额贷款公司的成立具有较大现实意义。在重庆市政府的支持下,目前重庆市小额贷款公司总体发展较好,风险控制情况良好,利率水平合理,融资渠道较为创新,在贷款额度、贷款方式、利率水平以及服务态度等方面,为“三农”和中小企业提供了一个优质便利的融资渠道,为支持地方经济作出了积极贡献。(2)重庆市小额贷款公司在发展中面临困境,仍有许多方面需要规范和完善。诸如主体定位不明确、融资渠道有限、缺乏有效的风险控制、监管制度不完善等。(3)解决重庆市小额贷款公司发展困境的政策建议。针对上述问题,提出相应的政策建议或借鉴其他地区的先进经验制定一些改善办法,并加以落实,从而克服这些不利因素的制约,实现重庆市小额贷款公司的健康发展。
[Abstract]:In 2005, the people's Bank of China launched pilot work on microfinance companies in five provinces and regions of the country. Since then, microfinance companies in China have flourished, making positive contributions to social and economic development. Small and medium-sized enterprises and the "three rural" production and management has played a greater role in support. However, there are still many problems to be solved in the process of development, especially in the underdeveloped areas of western China, where the problems of "agriculture, countryside and farmers" are more prominent, the problem of lack of funds is more obvious, and the problem of financing for small and medium-sized enterprises is more severe. Chongqing, as one of the typical cities in the western region, is no exception, so solve the problems in the process of operation and management of micro-loan companies to ensure their healthy and sustainable development. Based on financial suppression and deepening theory, transaction cost theory, credit rationing theory and information asymmetry theory, this paper theoretically analyzes the origin of the development of microfinance companies in China. Then through the field investigation of Chongqing micro-loan company, obtain the relevant data and combine the development characteristics of the western region, explore the development status of Chongqing micro-credit company, explore the development dilemma it faces. And to solve these problems, to help Chongqing microfinance company better development. The conclusions are as follows: (1) the establishment of Chongqing Microfinance Company has great practical significance. With the support of the Chongqing Municipal Government, at present, Chongqing Microloan Company has a relatively good overall development, a good risk control situation, a reasonable level of interest rates, and a relatively innovative financing channel. Interest rate level and service attitude have provided a good and convenient financing channel for the "three rural areas" and small and medium-sized enterprises, and have made positive contributions to supporting the local economy. (2) Chongqing Microfinance Corporation is facing difficulties in its development. There are still many aspects that need to be standardized and improved. Such as unclear positioning of the main body, limited financing channels, lack of effective risk control, regulatory system is not perfect. (3) to solve the plight of the development of small loan companies in Chongqing policy recommendations. In view of the above problems, this paper puts forward corresponding policy suggestions or draws lessons from the advanced experience of other regions to formulate some improvement measures and implement them so as to overcome the constraints of these unfavorable factors and to realize the healthy development of Chongqing Microloan Company.
【学位授予单位】：重庆理工大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.39
本文编号：2197258
[Abstract]:In 2005, the people's Bank of China launched pilot work on microfinance companies in five provinces and regions of the country. Since then, microfinance companies in China have flourished, making positive contributions to social and economic development. Small and medium-sized enterprises and the "three rural" production and management has played a greater role in support. However, there are still many problems to be solved in the process of development, especially in the underdeveloped areas of western China, where the problems of "agriculture, countryside and farmers" are more prominent, the problem of lack of funds is more obvious, and the problem of financing for small and medium-sized enterprises is more severe. Chongqing, as one of the typical cities in the western region, is no exception, so solve the problems in the process of operation and management of micro-loan companies to ensure their healthy and sustainable development. Based on financial suppression and deepening theory, transaction cost theory, credit rationing theory and information asymmetry theory, this paper theoretically analyzes the origin of the development of microfinance companies in China. Then through the field investigation of Chongqing micro-loan company, obtain the relevant data and combine the development characteristics of the western region, explore the development status of Chongqing micro-credit company, explore the development dilemma it faces. And to solve these problems, to help Chongqing microfinance company better development. The conclusions are as follows: (1) the establishment of Chongqing Microfinance Company has great practical significance. With the support of the Chongqing Municipal Government, at present, Chongqing Microloan Company has a relatively good overall development, a good risk control situation, a reasonable level of interest rates, and a relatively innovative financing channel. Interest rate level and service attitude have provided a good and convenient financing channel for the "three rural areas" and small and medium-sized enterprises, and have made positive contributions to supporting the local economy. (2) Chongqing Microfinance Corporation is facing difficulties in its development. There are still many aspects that need to be standardized and improved. Such as unclear positioning of the main body, limited financing channels, lack of effective risk control, regulatory system is not perfect. (3) to solve the plight of the development of small loan companies in Chongqing policy recommendations. In view of the above problems, this paper puts forward corresponding policy suggestions or draws lessons from the advanced experience of other regions to formulate some improvement measures and implement them so as to overcome the constraints of these unfavorable factors and to realize the healthy development of Chongqing Microloan Company.
【学位授予单位】：重庆理工大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.39
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