新疆小额贷款公司与银行合作研究

发布时间：2018-05-16 14:09

本文选题：新疆小额贷款公司 + 银行　；参考：《新疆财经大学》2014年硕士论文

【摘要】：小额贷款产生于20世纪60-70年代，主要以信贷服务活动来帮助中小微企业及低收入群体摆脱资金困境为基本宗旨，这与普惠制金融提倡的理念是一致的。农村地区缺乏银行机构为农户、个体工商户提供金融服务，，导致了这些地区发展落后、农牧民收入水平低下。在金融深化的过程中，作为金融体系补充的小额贷款公司应运而生。2005年我国开始小额贷款公司试点工作，2009年在全国范围内推广。它的出现不仅缓解了小微企业融资需求压力，且引导民间融资阳光化，而且为金融市场发展提供多元化服务。新疆2009年在自治区政府的大力支持下，全疆范围开展小额贷款公司试点工作，之后如雨后春笋般在全疆范围内开展。小额贷款公司的出现不仅为新疆小微企业带来了新鲜“血液”，满足农牧民的的资金需求，更是为新疆经济社会发展贡献了自己的一份力。但目前新疆小额贷款公司转型缺乏目标性,遭遇发展瓶颈--融资困境。本文通过寻求小额贷款公司与银行合作的方式来缓解新疆小额贷款公司资金困境，实现其可持续发展。关于小额贷款公司与银行合作的设想起源于上世纪90年代，银行与小额贷款公司的合作是对正规金融与非正规金融合作研究领域做出的拓展与深化，具有一定理论价值；同时双方的合作也是解决中小微企业金融市场资金缺乏的有效途径，对于提高信息对称性，活跃中小微企业金融市场也具有现实意义。本文将在前人研究的基础上，结合新疆地域经济发展的特殊情况，以新疆小额贷款公司与银行合作为研究对象。首先，通过相关理论借鉴及新疆小额贷款公司发展现状分析，并运用对比和归纳总结的研究方法，对小额贷款公司与银行合作提出理论支撑；其次，对于双方合作的必要性与可行性分析进行深入分析，从主观与客观层面总结双方合作的意愿与可能性；最后，针对制约双方合作的因素，从新疆小额贷款公司自身建设、银行内部调整、行业协会的搭建、政府层面的激励等四个维度分别提出对策和建议，希望能为新疆小额贷款公司可持续健康发展提供些许决策参考。
[Abstract]:Microfinance originated in the 60-70 's of the 20th century. The main purpose of microfinance is to help small and medium-sized enterprises and low-income groups to get rid of their capital predicament through the activities of credit services, which is consistent with the idea advocated by GSP finance. The lack of banking institutions to provide financial services for farmers and individual industrial and commercial households in rural areas leads to the backward development of these areas and the low income level of farmers and herdsmen. In the process of financial deepening, microfinance companies as a supplement to the financial system came into being. In 2005, China began the pilot work of microfinance companies, which was popularized nationwide in 2009. The emergence of it not only alleviates the pressure of financing demand of small and micro enterprises, but also guides private financing sunshine, and provides diversified services for the development of financial market. Xinjiang in 2009 in the autonomous region government's vigorous support, the whole Xinjiang scope carries out the small loan company pilot work, then like the bamboo shoots after a spring rain in the entire Xinjiang scope to carry out. The emergence of micro-loan companies not only brings fresh "blood" to small and micro enterprises in Xinjiang, meets the fund needs of farmers and herdsmen, but also contributes to the economic and social development of Xinjiang. However, at present, the transformation of Xinjiang microfinance companies is short of target and meets the development bottleneck-financing difficulties. In this paper, we seek the ways of cooperation between microfinance companies and banks to alleviate the financial difficulties of Xinjiang microfinance companies and realize their sustainable development. The idea of cooperation between microfinance companies and banks originated in the 1990s. The cooperation between banks and microfinance companies is an extension and deepening of the research field of formal and informal financial cooperation, which has certain theoretical value. At the same time, the cooperation between the two sides is also an effective way to solve the shortage of funds in the financial market of small and medium-sized enterprises, which is also of practical significance for improving the information symmetry and activating the financial market of small and medium-sized enterprises. On the basis of previous studies, this paper will take the cooperation between the small loan companies and the banks in Xinjiang as the research object, combining with the special situation of the regional economic development in Xinjiang. First, through the relevant theory reference and Xinjiang microfinance company development status analysis, and uses the contrast and the summary research method, proposed the theory support to the small loan company and the bank cooperation; secondly, The necessity and feasibility analysis of cooperation between the two sides is analyzed in depth, and the willingness and possibility of cooperation are summarized from the subjective and objective aspects. Finally, in view of the factors restricting the cooperation between the two sides, the construction of the Xinjiang Microloan Company itself is carried out. The internal adjustment of banks, the construction of trade associations, the incentive of the government level, respectively, put forward four dimensions of countermeasures and suggestions, hoping to provide some decision-making reference for the sustainable and healthy development of the small loan companies in Xinjiang.
【学位授予单位】：新疆财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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