河北省小额贷款公司可持续发展研究

发布时间：2018-03-13 15:39

本文选题：小额信贷　切入点：小额贷款公司　出处：《河北师范大学》2017年硕士论文　论文类型：学位论文

【摘要】：目前我国从事小额信贷业务的机构主要有商业银行、农村信用社、邮政储蓄银行等金融机构以及小额贷款公司。小额贷款公司为各层级的经济体尤其是本地的个体工商业者、小企业主以及农户的发展方面提供了大量的资金支持,也为本地区经济的茁壮发展提供了极为便利的条件。但是,在小额贷款公司的发展过程中存在着不少制约其可持续发展的问题,既有宏观方面的,如性质定位不明、“只贷不存”、资金来源受限等先天不足之类的问题;也有微观方面的,如利率制定不合理、贷款产品缺乏创新、征信系统不完善等不足。这些问题的存在不但阻碍了小额贷款公司规模的扩大与盈利的增加,而且还抑制了小额资金需求者的正常生产、经营活动,不利于社会和经济的快速、稳定、持久发展。因此,小额贷款公司如何在不偏离自身定位的情况下实现可持续的发展,使它持续为广大农村地区、中小企业提供金融服务,满足其融资需求,成为亟需解决的关键问题。本文以河北省小额贷款公司为研究对象,探索河北省小额贷款公司的可持续发展之路,主要研究内容如下:第一部分绪论主要介绍本文的研究背景、国内外文献综述、主要内容、研究方法、创新点及不足之处。第二部分是相关理论基础。一是介绍了小额贷款、小额信贷的概念;二是分析可持续性发展的含义,包括金融可持续发展和小额贷款公司可持续发展。第三部分是国外小额信贷的发展现状。主要对国外的秘鲁小贷银行、库斯科城市储蓄贷款公司、费耶银行、阳光银行的发展现状进行了研究,分析他们的成功经验以及我国小额贷款公司发展可借鉴之处。第四部分是河北省小额贷款公司发展现状,是本文重点分析的内容。首先介绍河北省小额贷款公司的发展历程,其次从机构数量、实收资本、贷款余额、从业人员数量四个方面分析河北省小额贷款公司的基本情况。第五部分是河北省小额贷款公司存在的主要问题。通过对河北省小额贷款公司的现状分析,一是提出传统小贷公司面临的主要问题:税收负担过重、行业竞争激烈、后续资金有限、自身定位不明、征信系统缺失、产品创新受限;二是提出新业态小贷公司面临的问题,如“校园贷”违规经营,限贷令限制业务发展,对河北省小额贷款公司可持续发展道路上存在的主要问题进行总结。第六部分是促进河北省小额贷款公司可持续发展的对策建议。从加大政策扶持、寻找多渠道融资方式、引入互联网商业模式、引入大数据加强征信系统等不同层面制定可行性的对策建议,对进一步推动河北省小额贷款公司持续健康发展,具有重要借鉴意义。
[Abstract]:At present, the main institutions engaged in microfinance business in China are commercial banks, rural credit cooperatives, postal savings banks and other financial institutions, as well as microfinance companies. Microfinance companies are economies at all levels, especially local individual businessmen. Small business owners, as well as farmers, have provided substantial financial support for the development of the region, which has also provided a very convenient condition for the economic growth of the region. In the process of the development of microfinance companies, there are many problems that restrict their sustainable development, such as macroscopic aspects, such as unclear nature, "only loans do not exist", limited sources of funds, and so on. If the interest rate is not reasonable, the loan product lacks the innovation, the credit system is not perfect and so on. Moreover, it also inhibits the normal production and business activities of small fund demanders, which is not conducive to the rapid, stable and sustainable development of society and economy. Therefore, how can microfinance companies achieve sustainable development without deviating from their own position? It has become a key problem to provide financial services and meet the financing needs of small and medium-sized enterprises in rural areas. This paper takes the small loan Company of Hebei Province as the research object. The main research contents are as follows: the first part mainly introduces the research background, domestic and foreign literature review, main content, research methods, The second part is the theoretical basis. One is to introduce the concept of microfinance, the other is to analyze the meaning of sustainable development. The third part is about the current situation of the development of micro-credit abroad. The third part is mainly to foreign small loan banks of Peru, Cusco City savings and loan Corporation, Faye Bank, The present situation of the development of the Sunshine Bank is studied, and their successful experience is analyzed. The 4th part is the present situation of the development of the small loan company in Hebei Province, which can be used for reference in the development of the micro-credit company in China. It is the main content of this paper. Firstly, it introduces the development course of Hebei micro-loan company, secondly, from the number of institutions, paid-in capital, loan balance, This paper analyzes the basic situation of Hebei Microloan Company from four aspects of the number of employees. Part 5th is the main problem of Hebei Microloan Company. Through the analysis of the present situation of Hebei Microloan Company, One is to put forward the main problems faced by traditional small loan companies: excessive tax burden, fierce competition in the industry, limited follow-up funds, unclear positioning, lack of credit information system and limited product innovation; second, the problems faced by small loan companies in the new state of business. If the "campus loan" is operated illegally, the restriction order will restrict the development of the business. This paper summarizes the main problems existing in the sustainable development of Hebei Microloan Corporation. Part 6th is the countermeasures and suggestions to promote the sustainable development of Hebei Microloan Corporation. The introduction of Internet business model, the introduction of big data to strengthen the credit system and other different levels to formulate feasible countermeasures and suggestions for the further promotion of sustainable and healthy development of small loan companies in Hebei Province, has an important reference significance.
【学位授予单位】：河北师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.39

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