蚌埠市Y小额贷款公司调研报告

发布时间：2018-02-16 10:07

本文关键词： 小额贷款公司可持续发展风险控制　出处：《安徽财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：小额贷款公司是我国为了缓解农村金融服务不健全、融资渠道窄、融资成本大而成立的一种“只贷不存”的新型金融机构。从2005年开始,小额贷款公司在全国5个省市展开全面试点工作,到如今已走过8年历程,小额贷款公司的发展已经初具雏形。小额贷款机构是金融深化创新的成果,其出现有利于激活农村广阔的金融市场,丰富农村金融服务体系,同时也打破了以商业银行为主体的银行类金融机构在信贷市场上的垄断地位。但是,其作为一个新型金融机构在我国刚开始普及,发展模式尚无一个可供参考的标准,同时在其发展过程中也存在着不少问题和缺陷。因此我觉得有必要以Y小额贷款公司为例对小额贷款公司的可持续发展现状及潜在的问题进行一次全面深入的调查,在调查取得相关数据资料的基础上,找出影响制约小额贷款公司可持续发展的因素,这对于实现我省乃至全国小额贷款公司的可持续发展,充分发挥民间借贷资本在金融市场的作用都是大有裨益且具有重要现实意义的。本文以此作为出发点,全文共分五章：第一章绪论主要介绍调研背景目的及意义、国内外研究成果以及调研思路与方法。第二章介绍了小额贷款公司可持续发展的分类及判断依据,为后文对Y小额贷款公司可持续发展问题的分析奠定理论部分基础。第三章以Y小额贷款公司为例,通过对其实地调研取得大量第一手数据的基础上,结合已有相关文献,分析Y小额贷款公司的运营发展现状,并结合之前理论部分对Y小额贷款公司的可持续发展状况给予评价。第四章针对Y小额贷款公司可持续发展的主要障碍及造成此种现象的原因进行分析第五章对Y小额贷款公司的可持续发展提出对策建议。
[Abstract]:Microfinance company is a new type of financial institution established in our country in order to alleviate the unsound rural financial service, narrow financing channel and high financing cost. Since 2005, the microfinance company has been established as a new type of financial institution. Microfinance companies have launched comprehensive pilot work in five provinces and cities throughout the country. Now they have gone through a process of eight years, and the development of microfinance companies has begun to take shape. Microfinance institutions are the result of financial deepening and innovation. It is beneficial to activate the broad rural financial market, enrich the rural financial service system, and break the monopoly position of the bank financial institutions in the credit market. As a new type of financial institution, it has just begun to be popularized in our country, and there is no standard for reference in its development model. At the same time, there are also many problems and defects in the process of development. Therefore, I think it is necessary to take Y microfinance company as an example to conduct a comprehensive and in-depth investigation into the status quo and potential problems of the sustainable development of microfinance companies. On the basis of the investigation and acquisition of relevant data, we find out the factors that restrict the sustainable development of microfinance companies, which will help to realize the sustainable development of microfinance companies in our province and even in the whole country. It is of great benefit and practical significance to give full play to the role of private lending capital in the financial market. This paper takes this as the starting point and the full text is divided into five chapters:. The first chapter introduces the research background and significance, domestic and foreign research results and research ideas and methods. The second chapter introduces the classification and judgment basis of the sustainable development of microfinance companies, which lays a theoretical foundation for the analysis of the sustainable development of Y microfinance companies. The third chapter takes Y microfinance company as an example, on the basis of obtaining a large number of firsthand data through the field investigation, combined with the related literature, analyzes the current situation of Y microfinance company's operation and development. And combined with the previous theoretical part of the Y microfinance company to evaluate the sustainable development of the situation. Chapter 4th analyzes the main obstacles to the sustainable development of Y microfinance company and the causes of this phenomenon. Chapter 5th puts forward countermeasures and suggestions for the sustainable development of Y microfinance company.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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