福建省小额贷款公司发展策略研究

发布时间：2018-01-07 01:12

本文关键词：福建省小额贷款公司发展策略研究　出处：《福州大学》2014年硕士论文　论文类型：学位论文

【摘要】：我国小额贷款公司自成立以来,取得了一定的成果,为中小企业发展提供了一定程度上的资金支持。但小额贷款公司在资金渠道、监督措施、管理水平等方面仍然面临诸多金融风险,这些问题使小额贷款公司的发展受限。同时随着经济金融改革的深入,中小企业得到了迅速发展,成为了社会经济的主要支撑。可是由于中小企业信用低,规模小,抵押物少,在大多金融机构融资困难,小额贷款公司突破常规模式,利用自己业务的对口优势,在解决中小企业资金困难的同时发展自身。本文将福建省范围内的小额贷款公司作为主要研究对象,通过阐述小额贷款公司的发展历程、碰到的问题及解决问题的方法,展现福建省小额贷款公司的特点。最后分析了小额贷款公司的主营业务是对口服务当地中小企业,解决本地区中小企业融资问题。并结合多地经验总结出小额贷款公司的发展方向,为小额贷款公司的发展提供了参考依据。本文采用的研究方法主要有比较研究法和实证分析法。通过对小额贷款公司与大银行在向中小企业提供融资的比较,省内多家小额贷款公司模式的比较,利用调查统计数据对要需要说明的问题进行论证,同时从合理规范的角度对小贷公司进行改革途径的探讨。本文主要基于实证角度展开,在福建省范围内对小额贷款公司的发展策略进行研究。本研究的主要内容包括以下几个部分：第一章为绪论部分,主要阐述选题的背景意义、文献综述、研究的主要意义。第二章介绍了福建省小额贷款公司的发展历程、经营模式和特点,旨在明确研究对象。第三章集中提出了福建省小额贷款公司在发展过程中遇到的主要问题。第四章提出解决问题的对策及以后的发展方向。第五章通过龙岩、三明两地实例分析福建省小额贷款公司的经营现状与效率评价。第六章为回顾与展望。
[Abstract]:Since the establishment of microfinance companies in China, some achievements have been made, which provide a certain degree of financial support for the development of small and medium-sized enterprises, but microfinance companies in the capital channels, supervision measures. Management level and other aspects are still facing a lot of financial risks, these problems limit the development of microfinance companies. At the same time, with the deepening of economic and financial reform, small and medium-sized enterprises have been rapid development. It has become the main support of the social economy. But because of the low credit of small and medium-sized enterprises, small scale, less collateral, financing difficulties in most financial institutions, microfinance companies break through the conventional model. Take advantage of their own business counterpart to solve the financial difficulties of small and medium-sized enterprises at the same time to develop themselves. This paper takes Fujian Province as the main research object. Through the elaboration of the development of microfinance companies, problems encountered and solutions to the problems. Show the characteristics of Fujian micro-credit company. Finally, the main business of micro-credit company is to serve local small and medium-sized enterprises. To solve the financing problem of small and medium-sized enterprises in the region. And combined with many experiences summed up the direction of development of microfinance companies. This paper provides a reference for the development of microfinance companies. The main research methods adopted in this paper are comparative research and empirical analysis. Through the comparison between microfinance companies and large banks in providing financing to small and medium-sized enterprises. Comparing the models of many micro-loan companies in the province, using the statistical data of investigation to demonstrate the problems that need to be explained. At the same time from the perspective of reasonable and normative small loan companies to reform approach. This paper mainly based on empirical perspective. The main content of this study includes the following parts: the first chapter is the introduction part, mainly describes the background significance of the topic, literature review. The second chapter introduces the development course, management model and characteristics of Fujian micro-credit company. The third chapter focuses on the main problems encountered in the development of Fujian microfinance companies. Chapter 4th proposes solutions and future development direction. 5th chapter through Longyan. This paper analyzes the management status and efficiency evaluation of Fujian Microloan Company with examples of Sanming. Chapter 6th is a review and prospect.
【学位授予单位】：福州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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