我国小额贷款公司可持续发展探究
发布时间：2019-06-07 11:40
【摘要】：由于结构性金融抑制，我国金融机构为中小企业和小微客户提供的金融服务严重不足，造成民间金融活跃、高利贷盛行，直接影响着我国的经济发展。小额贷款公司的诞生，标志着我国金融体制创新的深化。小贷公司在有效解决中小企业和小微客户融资问题方面一直备受关注，然而小额贷款公司在发展过程中也出现了许多问题。 小额贷款公司除了经营机制灵活、手续简便、市场空间较大、有机会转型等好的方面外；还存在着资金瓶颈、创新不足、税收过重、成本居高不下、监管缺失、征信受阻、违法违规行为难控等问题。如何科学合理的解决小贷公司现状，提出合理的可持续发展方案，对小贷公司发展具有现实意义。本文在理论研究基础上，采用SWOT分析法对我国小额贷款公司现状进行分析，明确了小额贷款公司目前存在的优势、劣势、机遇和风险，使我们更为客观的了解了小额贷款公司现状，最后提出了建立小额贷款公司可持续发展机制的要求。在建立六项机制的内容里，提出如何建立经营绩效指标评价体系、可持续发展指标衡量标准、规模和费用控制机制、利率定价机制、最优市场定位机制、风险防范机制、监管机制、财政政策和金融政策支持的政策支持机制。 论文包括五部分：第一章绪论主要介绍研究背景和意义，并对国内外理论研究进行概述，，提出了本文的研究目标和创新方向；第二章概述了小额贷款公司可持续发展理论依据，并比较分析了公益型小贷公司和商业型小贷公司可持续发展现状，论述了两种模式在可持续发展方面存在的问题；第三章概述了中国小额贷公司的发展历程，较为清晰的描述了中国小贷公司的由来、发展和演变的过程；第四章对中国小额贷款公司现状进行了分析。通过使用SWOT分析方法，详细分析了小贷公司的优势、劣势、机遇和风险四个方面，并建立了SWOT矩阵，提出了小贷公司的战略定位；第五章是在以上四章的基础上，提出了建立小额贷款公司可持续发展机制。主要从指标管理机制、经营机制、市场定位机制、风险管理机制、监管机制和政策支持机制六方面阐述了建议。
[Abstract]:Due to the suppression of structural finance, the financial services provided by financial institutions to small and medium-sized enterprises and small and micro customers are seriously insufficient, resulting in active private finance and the prevalence of usury, which directly affects the economic development of our country. The birth of microfinance companies marks the deepening of the innovation of China's financial system. Small loan companies have always attracted much attention in effectively solving the financing problems of small and medium-sized enterprises and small and micro customers. However, there are also many problems in the development process of micro-loan companies. In addition to flexible management mechanism, simple procedures, large market space, opportunities for transformation and other good aspects of microfinance companies; There are still some problems, such as capital bottleneck, insufficient innovation, excessive tax revenue, high cost, lack of supervision, obstruction of credit collection, difficult to control illegal and illegal behavior and so on. How to solve the present situation of small loan company scientifically and reasonably and put forward a reasonable sustainable development scheme is of practical significance to the development of small loan company. On the basis of theoretical research, this paper analyzes the present situation of microfinance companies in China by using SWOT analysis method, and clarifies the advantages, disadvantages, opportunities and risks of microfinance companies at present. So that we have a more objective understanding of the current situation of microfinance companies, and finally put forward the requirements for the establishment of sustainable development mechanism of microfinance companies. In the content of establishing six mechanisms, this paper puts forward how to establish the evaluation system of business performance index, the measurement standard of sustainable development index, the mechanism of scale and cost control, the mechanism of interest rate pricing, the mechanism of optimal market positioning and the mechanism of risk prevention. Regulatory mechanism, fiscal policy and financial policy support mechanism. The paper consists of five parts: the first chapter mainly introduces the research background and significance, and summarizes the theoretical research at home and abroad, and puts forward the research objectives and innovation direction of this paper; The second chapter summarizes the theoretical basis of sustainable development of microfinance companies, compares and analyzes the current situation of sustainable development of public welfare small loan companies and commercial small loan companies, and discusses the problems existing in the sustainable development of the two models. The third chapter summarizes the development process of Chinese microfinance companies, and clearly describes the origin, development and evolution of Chinese small loan companies. The fourth chapter analyzes the current situation of Chinese microfinance companies. By using SWOT analysis method, the advantages, disadvantages, opportunities and risks of small loan companies are analyzed in detail, and the SWOT matrix is established, and the strategic positioning of small loan companies is put forward. The fifth chapter is based on the above four chapters, and puts forward the establishment of sustainable development mechanism of microfinance companies. This paper mainly expounds the suggestions from six aspects: index management mechanism, market positioning mechanism, risk management mechanism, supervision mechanism and policy support mechanism.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.39
本文编号：2494765
[Abstract]:Due to the suppression of structural finance, the financial services provided by financial institutions to small and medium-sized enterprises and small and micro customers are seriously insufficient, resulting in active private finance and the prevalence of usury, which directly affects the economic development of our country. The birth of microfinance companies marks the deepening of the innovation of China's financial system. Small loan companies have always attracted much attention in effectively solving the financing problems of small and medium-sized enterprises and small and micro customers. However, there are also many problems in the development process of micro-loan companies. In addition to flexible management mechanism, simple procedures, large market space, opportunities for transformation and other good aspects of microfinance companies; There are still some problems, such as capital bottleneck, insufficient innovation, excessive tax revenue, high cost, lack of supervision, obstruction of credit collection, difficult to control illegal and illegal behavior and so on. How to solve the present situation of small loan company scientifically and reasonably and put forward a reasonable sustainable development scheme is of practical significance to the development of small loan company. On the basis of theoretical research, this paper analyzes the present situation of microfinance companies in China by using SWOT analysis method, and clarifies the advantages, disadvantages, opportunities and risks of microfinance companies at present. So that we have a more objective understanding of the current situation of microfinance companies, and finally put forward the requirements for the establishment of sustainable development mechanism of microfinance companies. In the content of establishing six mechanisms, this paper puts forward how to establish the evaluation system of business performance index, the measurement standard of sustainable development index, the mechanism of scale and cost control, the mechanism of interest rate pricing, the mechanism of optimal market positioning and the mechanism of risk prevention. Regulatory mechanism, fiscal policy and financial policy support mechanism. The paper consists of five parts: the first chapter mainly introduces the research background and significance, and summarizes the theoretical research at home and abroad, and puts forward the research objectives and innovation direction of this paper; The second chapter summarizes the theoretical basis of sustainable development of microfinance companies, compares and analyzes the current situation of sustainable development of public welfare small loan companies and commercial small loan companies, and discusses the problems existing in the sustainable development of the two models. The third chapter summarizes the development process of Chinese microfinance companies, and clearly describes the origin, development and evolution of Chinese small loan companies. The fourth chapter analyzes the current situation of Chinese microfinance companies. By using SWOT analysis method, the advantages, disadvantages, opportunities and risks of small loan companies are analyzed in detail, and the SWOT matrix is established, and the strategic positioning of small loan companies is put forward. The fifth chapter is based on the above four chapters, and puts forward the establishment of sustainable development mechanism of microfinance companies. This paper mainly expounds the suggestions from six aspects: index management mechanism, market positioning mechanism, risk management mechanism, supervision mechanism and policy support mechanism.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.39
【参考文献】
相关期刊论文 前1条
1 周振海;;基于垄断和价格管制条件下的中国农村小额信贷市场分析[J];金融研究;2007年08期
本文编号：2494765
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