营口市小额贷款公司监管对策研究

发布时间：2019-06-14 12:09

【摘要】：小额贷款公司自出现以来得到了越来越多的关注,其对缓解农户及中小企业融资难具有重要意义。2008年,中国人民银行和银监会联合发布了《关于小额贷款公司试点的指导意见》,中国的小额贷款公司是只贷不存的非金融机构,辽宁省小额贷款公司试点于该年底启动,监管方面尚处于初步确定阶段。在未来的探索发展阶段中,如何完善现行监管,这对于小额贷款公司实现规范健康可持续的发展无疑有着现实意义。上个世纪70年代,尤努斯博士在孟加拉—手创办了孟加拉乡村银行并取得了巨大的成功,国外关于小额贷款机构的研究较早和深入。但国内外情况有所不同,小额贷款公司行业在中国属于新兴行业,国内对此研究尚处于起步阶段,且较多关注于其可持续发展问题。本文以营口市小额贷款公司监管为研究对象。营口地区小额贷款公司的监管工作由市人民政府金融工作办公室负责,自试点启动以来,在全省统一监管框架下,已经过了4年多的监管实践。本文分为四个部分,第一部分介绍了小额贷款公司的研究背景和重要意义、国内外研究现状、研究思路和方法、小额信贷及小额贷款公司的定义；第二部分对小额贷款公司的监管目标进行界定,即：防范其出现社会风险、促进其健康可持续发展、引导其实现社会目标,通过SWOT分析工具的使用,在概述优势、劣势、机会、威胁的基础上,确定在小额贷款公司监管上使用WO战略辅以WT战略；第三部分借鉴国内外的现有经验；最后提出监管的对策建议。这些均助于科学监管目标的实现。
[Abstract]:Since its emergence, microfinance companies have received more and more attention, which is of great significance to alleviate the financing difficulties of farmers and small and medium-sized enterprises. In 2008, the people's Bank of China and the CBRC jointly issued the guidance on the pilot Project of Microloan companies. China's microfinance companies are non-financial institutions with only loans, and the pilot project of Liaoning Microloan companies was launched at the end of the year, and the supervision is still in a preliminary stage. In the future exploration and development stage, how to improve the current supervision, which is undoubtedly of practical significance for microfinance companies to achieve standardized, healthy and sustainable development. In the 1970s, Dr. Yunus founded Bangladesh Rural Bank in Bangladesh and achieved great success. Foreign research on microfinance institutions was early and in-depth. However, the situation at home and abroad is different. Microfinance company industry is a new industry in China. The domestic research on this industry is still in its infancy, and more attention is paid to its sustainable development. This paper takes the supervision of Yingkou microloan company as the research object. The supervision of microfinance companies in Yingkou area is the responsibility of the Financial work Office of the Municipal people's Government. Since the pilot project was launched, it has gone through more than four years of supervision and control practice under the unified regulatory framework of the whole province. This paper is divided into four parts. The first part introduces the research background and significance of microfinance companies, the research status at home and abroad, research ideas and methods, microcredit and the definition of microfinance companies. The second part defines the regulatory objectives of microfinance companies, that is, to prevent their social risks, promote their healthy and sustainable development, guide them to achieve social goals, through the use of SWOT analysis tools, on the basis of an overview of advantages, disadvantages, opportunities, threats, determine the use of WO strategy in the supervision of microfinance companies supplemented by WT strategy; the third part draws lessons from the existing experience at home and abroad; Finally, the countermeasures and suggestions of supervision are put forward. All these are helpful to the realization of the goal of scientific supervision.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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