青海省小额贷款公司融资研究

发布时间：2018-05-07 04:25

本文选题：小额贷款公司 + 融资　；参考：《青海大学》2017年硕士论文

【摘要】：小额贷款公司是介于互联网金融和大银行之间的代表性普惠金融机构,它为小微企业、个体工商户提供金融服务。但是近年来,伴随经济下行压力、融资不畅及其他因素,小贷公司发展受阻明显。截至2016年底,全国范围内约有小贷公司8673家,贷款余额9273亿元,均比2015年同期有所减少,连续两年出现下滑态势。同时,部分小贷公司在其发展过程中,风险防控措施不到位,融资违法违规,最终因问题暴露而倒闭。青海省地处西北,幅员辽阔,金融机构的普惠金融职能更应得到发挥,以期将金融服务延伸到更广大群众生活中去。小额贷款公司以其贷款效率高、流程相对简便等特点成为青海省普惠金融体系重要组成部分,对“三农”和小微企业的发展起到了支持作用。但自2015年底开始,青海省小贷公司贷款余额便出现负增长现象,行业发展停滞不前。对此,本文通过对青海省小额贷款公司融资的探讨,结合国内创新制度、融资方式以及对国外成功小额贷款机构的借鉴,提出针对青海省小贷行业融资的分析及建议,希望由此对相关从业人士、政府部门提供一定借鉴,旨在为青海省小额贷款公司可持续发展及普惠金融进一步深化和落实而贡献力量。
[Abstract]:Microfinance company is a representative inclusive financial institution between Internet Finance and big banks. It provides financial services for small and micro enterprises and individual business households. However, in recent years, with economic downside pressure, poor financing and other factors, the development of small loan companies has been hindered obviously. By the end of 2016, there were about 8673 small loan companies in the country. Home, the loan balance of 927 billion 300 million yuan, all decreased compared to the same period in 2015, a decline in two consecutive years. At the same time, some small loan companies in the process of development, the risk prevention and control measures are not in place, financing illegal and illegal, finally due to the problems exposed. Qinghai province is located in the northwest, a vast territory, the financial function of the general financial function should be more issued. With a view to extending financial services to a larger mass of people's lives, microfinance companies have become an important part of the Pratt and Hui financial system in Qinghai province with its high efficiency and relatively simple process, which has played a supporting role in the development of "three rural" and small and micro enterprises. But since the end of 2015, the loan balance of small loan companies in Qinghai province has been started. There is a negative growth phenomenon, and the development of the industry is stagnant. This article, through the discussion of the financing of small loan companies in Qinghai Province, combined with the domestic innovation system, the financing way and the reference of the successful foreign small loan institutions, puts forward the analysis and suggestions on the financing of the small loan industry in Qinghai province. The Department will provide reference for the sustainable development of Qinghai microfinance companies and contribute to the further deepening and implementation of Inclusive Finance.

【学位授予单位】：青海大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.39

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