小额贷款公司的经营状态——基于宁波市小额贷款公司的调查
发布时间：2019-04-02 15:28
【摘要】：本文在对宁波市试点的小额贷款公司逐个调研的基础上,以问卷、与总经理对话、小型会议等方式,研究了小额贷款公司的资金来源、内部业务及其相关问题。研究发现,小额贷款公司将民间资本引导至合法的渠道,业务运营状况良好,解决了农户、微型企业融资难问题。但小额贷款公司存在明显的资金瓶颈问题,贷款资金来源非常有限,主要源于自有资金。因此,本文提出以下建议:小额贷款公司要提高融资比例,增加后续资金;建立信用评价体系,加强风险管理;重视"三农"和中小企业服务的贷款投向,并最终转制成纯金融类机构,这样才能可持续发展。
[Abstract]:On the basis of one-by-one investigation of micro-loan companies in Ningbo, this paper studies the source of funds, internal business and related problems of micro-loan companies by means of questionnaire, dialogue with general manager, small-scale meeting and so on. It is found that microfinance companies lead private capital to legal channels, and their business is in good condition, which solves the problem of financing for farmers and micro-enterprises. However, there are obvious capital bottlenecks in microfinance companies, the source of loan funds is very limited, mainly from their own funds. Therefore, this paper puts forward the following suggestions: micro-loan companies should increase the proportion of financing, increase the follow-up funds, establish a credit evaluation system, strengthen risk management; Pay attention to "agriculture, rural areas" and small and medium-sized enterprises service loan investment, and finally turn into pure financial institutions, so as to achieve sustainable development.
【作者单位】： 浙江万里学院商学院;宁波诺丁汉大学;
【基金】：小额贷款公司对民间资本的吸引及其规范运作的研究——以浙江省为例项目资助(项目编号:10YJA790171)
【分类号】：F832.4
[Abstract]:On the basis of one-by-one investigation of micro-loan companies in Ningbo, this paper studies the source of funds, internal business and related problems of micro-loan companies by means of questionnaire, dialogue with general manager, small-scale meeting and so on. It is found that microfinance companies lead private capital to legal channels, and their business is in good condition, which solves the problem of financing for farmers and micro-enterprises. However, there are obvious capital bottlenecks in microfinance companies, the source of loan funds is very limited, mainly from their own funds. Therefore, this paper puts forward the following suggestions: micro-loan companies should increase the proportion of financing, increase the follow-up funds, establish a credit evaluation system, strengthen risk management; Pay attention to "agriculture, rural areas" and small and medium-sized enterprises service loan investment, and finally turn into pure financial institutions, so as to achieve sustainable development.
【作者单位】： 浙江万里学院商学院;宁波诺丁汉大学;
【基金】：小额贷款公司对民间资本的吸引及其规范运作的研究——以浙江省为例项目资助(项目编号:10YJA790171)
【分类号】：F832.4
【相似文献】
相关期刊论文 前10条
1 田剑英;;小额贷款公司吸引民间资本后的金融效应——以宁波市为例[J];浙江万里学院学报;2011年02期
2 计承江;;放宽民间资本进入农村地区金融机构的条件[J];中国金融;2008年07期
3 田剑英;彭莹;沈思源;;宁波市小额贷款公司对民间资本的吸引及其运作[J];浙江万里学院学报;2010年03期
4 梁英华;;探寻地下钱庄的出路——小额贷款公司模式探讨[J];中国商界(下半月);2009年08期
5 国声;;国务院将研究鼓励民间资本参与设立贷款公司[J];温州w，
本文编号：2452668
本文链接：https://www.wllwen.com/guanlilunwen/huobilw/2452668.html
