本文選題：小額貸款 + 可持續(xù)發(fā)展　； 參考：《浙江工業(yè)大學》2013年碩士論文

【摘要】：改革開放以來,中國經(jīng)濟開始起飛,但“三農(nóng)”問題仍然是當前社會中的熱點問題。隨著農(nóng)村金融改革深化,農(nóng)村金融制度創(chuàng)新層出不窮。尤其進入新世紀以來,在“貸款難”越來越成為“三農(nóng)”發(fā)展瓶頸的背景下,農(nóng)村金融領域內(nèi)不僅進行了存量方面深刻的改革與創(chuàng)新,而且增量改革也全面啟動。另一方面,黨的十五大以來,我國的中小企業(yè)發(fā)展迅速,覆蓋了國民經(jīng)濟各個領域,是我國經(jīng)濟發(fā)展的基本力量,更是支撐浙江經(jīng)濟的“定海神針”。但在全國金融危機、人民幣升值、新勞動法實施、宏觀調(diào)控緊縮銀根等因素的綜合作用下,中小企業(yè)也面臨著近幾年來最嚴峻的挑戰(zhàn),其中導致中小企業(yè)陷入困境的主要原因之一仍是融資問題。 農(nóng)戶和中小企業(yè)的資金需求得不到滿足,使得他們轉(zhuǎn)向了民間金融。因此,如何治理民間金融市場,使其規(guī)范的運營,并更好的為“三農(nóng)”和中小企業(yè)融資服務,是擺在全社會面前的一道難題。小額貸款公司是伴隨金融體制創(chuàng)新和我國金融改革而產(chǎn)生的新生事物,它對彌補現(xiàn)有金融機構信貸不足,調(diào)動民間閑置資金,引導民間資金合法地開展金融活動及增加金融供給、緩解農(nóng)村與中小企業(yè)融資困境具有非常重要的作用。 雖然小額貸款公司發(fā)展總體順利,但也普遍存在著“成長的煩惱”,比如相關制度不夠完善,不能享受金融機構相關優(yōu)惠政策；資本規(guī)模有限,后續(xù)資金來源不足；經(jīng)營風險較大；競爭激烈機會成本較高；內(nèi)部治理有待加強等一系列問題。所以,研究小額貸款公司如何能可持續(xù)發(fā)展,對于促進金融系統(tǒng)的完整性,及整個經(jīng)濟的可持續(xù)發(fā)展有著重要的意義。 本文通過分析YK小額貸款公司的案例,探討了解決浙江省小額貸款行業(yè)存在的問題的方法,但目前該行業(yè)還處于試運行階段,如何才能讓浙江省小額貸款公司可持續(xù)發(fā)展,這還需要長期的研究實踐,需要政府、社會及公司自身多方面的努力。
[Abstract]:Since the reform and opening up, China's economy has begun to take off, but the issue of agriculture, rural areas and farmers is still a hot issue in the current society. With the deepening of rural financial reform, rural financial system innovation is emerging in endlessly. Especially since entering the new century, under the background that "loan difficulty" has become the bottleneck of the development of "agriculture, countryside and farmers", the rural financial field has not only carried on the profound reform and innovation in the aspect of stock, but also initiated the incremental reform in an all-round way. On the other hand, since the 15th National Congress of the Party, the small and medium-sized enterprises of our country have developed rapidly, covering all fields of the national economy, which is the basic force of our country's economic development, and it is also the "magic needle" of supporting the economy of Zhejiang Province. However, under the combined action of the national financial crisis, the appreciation of the RMB, the implementation of the new labor law, and the macro-control and tightening of money, small and medium-sized enterprises are also facing the most severe challenges in recent years. One of the main reasons for the difficulties of SMEs is still the financing problem. Farmers and small-and-medium-sized enterprises can not meet the funding needs, so that they turned to private finance. Therefore, how to govern the private financial market, make its standard operation, and better for the "agriculture, rural areas" and small and medium-sized enterprises financing services, is a difficult problem in front of the whole society. Microfinance company is a new thing that comes into being along with the innovation of financial system and the financial reform of our country. It can make up for the insufficient credit of existing financial institutions and mobilize private idle funds. It is very important to guide private funds to carry out financial activities legally and increase financial supply to alleviate the financing difficulties of rural and small and medium-sized enterprises. Although the development of microfinance companies is generally smooth, there are also "growing pains", such as the related system is not perfect, can not enjoy the relevant preferential policies of financial institutions, the capital scale is limited, and the subsequent sources of funds are insufficient; Management risk is bigger; competitive opportunity cost is higher; internal governance needs to be strengthened and so on a series of problems. Therefore, it is of great significance to study the sustainable development of microfinance companies for promoting the integrity of the financial system and the sustainable development of the economy as a whole. Through analyzing the case of YK Microloan Company, this paper discusses the methods to solve the problems existing in the microfinance industry in Zhejiang Province, but at present the industry is still in the trial operation stage, how to make the sustainable development of Zhejiang Microloan Company, This also needs long-term research practice, the government, the society and the company itself many efforts.
【學位授予單位】：浙江工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4

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