我国小额贷款公司融资模式创新研究

发布时间：2018-04-19 11:32

本文选题：小额贷款公司 + 融资模式　；参考：《天津财经大学》2014年硕士论文

【摘要】：小额贷款公司是中国小微金融服务提供体系的重要组成部分。截止2013年12月末,全国共有小贷公司7839家,贷款余额8191亿元。与小贷公司数量增速相比,平均贷款余额增长一直较为缓慢。资金来源不足问题对一些优秀的小贷公司的发展形成了制约,从而也影响了对小微企业融资的支持力度。与此同时,监管机构、地方政府、小贷公司近年来在这一方面做出了诸多尝试与努力,形成了一些可以推广的模式。文章通过回顾国内小额贷款公司的发展历程,总结小微金融融资模式的特点,分析小贷公司融资模式的现状问题,并对国内融资创新模式进行案例分析,为小贷公司进一步可持续发展提供借鉴。文章主要对小额贷款公司融资模式创新问题进行研究与探讨,首先通过对我国小额贷款公司的发展历程进行回顾,进而分析小额贷款公司在我国金融体系中的角色定位,从法律属性和经济属性定位小额贷款公司。小额贷款公司在“非吸收存款类放贷机构”的定位下,其基本融资渠道主要有股本融资、银行贷款及捐赠资金。其次,文章具体分析我国小额贷款公司融资模式的现状,阐述我国小额贷款公司融资缺位问题根源及其带来的影响,得出我国小额贷款公司资金来源问题的产生主要来自两个方面：一是由于我国目前的信用等各经济环境尚不健全,因此为了防范风险,政策上对小额贷款公司的融资限制较为严格；另一方面是因为我国目前小额贷款公司的身份模糊,从而引发的融资渠道受限。再次,文章通过总结国外小额信贷机构融资经验,具体分析我国小额贷款公司创新融资渠道的可行性,得出无论是资产证券化、上市融资还是债券融资,相关配套制度的建设才是防范风险、促进创新的保障。因此,文章最后结合上文分析,对促进我国小额贷款公司融资模式创新提出相应的政策建议。
[Abstract]:Microfinance companies are an important part of the micro-financial service delivery system in China.By the end of December 2013, there were 7839 small loan companies in China, with a balance of 819.1 billion yuan.Compared with the growth in the number of small loan companies, the average loan balance has been relatively slow growth.The problem of insufficient sources of funds restricts the development of some excellent small loan companies, which also affects the support for the financing of small and micro enterprises.At the same time, regulators, local governments and small loan companies have made many attempts and efforts in this area in recent years, forming some models that can be popularized.This paper reviews the development history of domestic microfinance companies, summarizes the characteristics of micro-finance financing mode, analyzes the current situation of the financing model of small-loan companies, and makes a case study of domestic innovative financing models.For small loan companies to provide reference for further sustainable development.This paper mainly studies and discusses the innovation of financing mode of microfinance companies. Firstly, it reviews the development of microfinance companies in China, and then analyzes the role of microfinance companies in the financial system of our country.From the legal and economic attributes of the positioning of microfinance companies.Under the position of "non-deposit-taking lending institution", the basic financing channels of microfinance companies are mainly equity financing, bank loans and donation funds.Secondly, the article concretely analyzes the present situation of the financing mode of the micro-loan company in our country, and expounds the root cause and the influence of the financing vacancy problem of the micro-loan company in our country.It is concluded that there are two main sources of funding for microfinance companies in China: first, because the current credit and other economic environment of our country is not perfect, so in order to prevent risks,On the other hand, the status of microfinance companies in China is vague, which leads to the limited financing channels.Thirdly, by summarizing the financing experience of foreign microfinance institutions, the paper analyzes the feasibility of innovative financing channels for microfinance companies in China, and draws a conclusion whether it is asset securitization, listed financing or bond financing.The construction of relevant supporting system is the safeguard of preventing risks and promoting innovation.Therefore, combined with the above analysis, the article puts forward some policy suggestions to promote the innovation of financing mode of microfinance companies in China.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F830.42

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