本文關(guān)鍵詞：黑龍江省小額貸款公司發(fā)展問(wèn)題研究　出處：《東北農(nóng)業(yè)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 小額貸款公司 影響因素 層次分析法

【摘要】：為進(jìn)一步落實(shí)2004-2006年三個(gè)中央一號(hào)文件的精神，更好的促進(jìn)農(nóng)村金融的發(fā)展以此帶動(dòng)農(nóng)村經(jīng)濟(jì)發(fā)展，并實(shí)現(xiàn)民間金融的規(guī)范化發(fā)展，人民銀行、銀監(jiān)會(huì)會(huì)同有關(guān)部門，從2005年底到2006年10月開(kāi)啟了“商業(yè)性小額貸款公司試點(diǎn)”工作。黑龍江省小額貸款公司自試點(diǎn)以來(lái)，在中國(guó)人民銀行以及省政府金融辦的正確領(lǐng)導(dǎo)以及相關(guān)部門的有效監(jiān)管下，小額貸款公司隊(duì)伍不斷的發(fā)展壯大，資金實(shí)力不斷增強(qiáng)，公司數(shù)量、從業(yè)人員數(shù)不斷增加、貸款余額和利潤(rùn)有了很大程度的提高。一方面，小額貸款公司不僅為廣大中小民營(yíng)企業(yè)、個(gè)體工商戶、農(nóng)戶以及自然人等提供了大量的資金供給，在一定程度上緩解了其融資難的問(wèn)題，另一方面還對(duì)規(guī)范民間金融市場(chǎng)、完善金融體系和促進(jìn)當(dāng)?shù)亟?jīng)濟(jì)發(fā)展起到了示范作用。但黑龍江省小額貸款公司在發(fā)展過(guò)程中也遇到了許多問(wèn)題，面臨著許多挑戰(zhàn)。因此，在發(fā)展過(guò)程中不斷總結(jié)問(wèn)題，探討解決對(duì)策,對(duì)于促進(jìn)黑龍江省小額貸款公司不斷發(fā)展有重要現(xiàn)實(shí)意義。 文章首先通過(guò)對(duì)國(guó)內(nèi)外小額貸款相關(guān)文獻(xiàn)進(jìn)行梳理，對(duì)小額貸款公司的概念進(jìn)行明確，對(duì)其特征進(jìn)行總結(jié)。研究了與小額貸款公司發(fā)展聯(lián)系緊密的理論，這其中主要包括信用配給理論、信息不對(duì)稱理論及交易成本理論。這一部分進(jìn)一步加強(qiáng)了對(duì)小額貸款公司理論的研究，為之后的實(shí)證部分做理論基礎(chǔ)鋪墊，也為小額貸款公司的發(fā)展做一些理論上的補(bǔ)充。其次，文章從黑龍江省小額貸款公司的機(jī)構(gòu)設(shè)立情況、貸款情況及資產(chǎn)情況進(jìn)行發(fā)展情況進(jìn)行了調(diào)查，并對(duì)其特征進(jìn)行了總結(jié)。黑龍江省小額貸款公司在發(fā)展過(guò)程中仍存在一些問(wèn)題，主要是制度性方面、內(nèi)部方面以及外部方面。在制度性方面，小額貸款公司的法律地位還有待進(jìn)一步明確，融資渠道需進(jìn)一步拓寬；內(nèi)部問(wèn)題方面，小額貸款公司的股權(quán)結(jié)構(gòu)尚不合理，盈利能力較低，風(fēng)險(xiǎn)管理機(jī)制需要進(jìn)一步完善；外部問(wèn)題方面主要是缺少相關(guān)政策的扶持和監(jiān)管主體的缺失。再次，，文章使用層次分析法深層剖析了影響黑龍江省小額貸款公司發(fā)展的因素，并利用數(shù)學(xué)模型進(jìn)行實(shí)證分析。將理論知識(shí)運(yùn)用于實(shí)際研究，對(duì)影響小額貸款公司發(fā)展的眾多因素進(jìn)行量化分析，利用排名確定其影響程度和重要性。為下一步改革對(duì)策的提出指明了方向。文章最后一部分針對(duì)之前問(wèn)題的分析結(jié)合實(shí)證研究的結(jié)果，為黑龍江省小額貸款公司的發(fā)展提出一些建議。政府加快相關(guān)法律法規(guī)的頒布和實(shí)行，給予小額貸款公司發(fā)展以制度性保障；利用政府建立融資中心，公司加強(qiáng)與銀行合作等手段解決其融資問(wèn)題；加強(qiáng)產(chǎn)品創(chuàng)新，培養(yǎng)專業(yè)人才以提供小額貸款公司的盈利能力；政府要切實(shí)履行責(zé)任，提供政策支持并加強(qiáng)監(jiān)管。作者希望文章的研究和建議的提出能夠?yàn)楹邶埥⌒☆~貸款公司的管理者和監(jiān)管部門決策提供參考。
[Abstract]:In order to further implement the spirit of the first Central Committee document 2004-2006, better promote the development of rural finance to promote rural economic development, and achieve the standardized development of non-governmental finance, the people's Bank of China. From end of 2005 to October 2006, the CBRC, in conjunction with the relevant departments, began the work of "pilot projects for commercial microfinance companies". Under the correct leadership of the people's Bank of China and the financial office of the provincial government and the effective supervision of the relevant departments, the team of microfinance companies has continued to grow, capital strength has been increasing, and the number of companies. The number of employees continues to increase, loan balances and profits have been greatly improved. On the one hand, microfinance companies are not only small and medium-sized private enterprises, individual industrial and commercial households. Farmers and natural persons have provided a large amount of capital supply, to a certain extent to alleviate their financing difficulties, on the other hand, to regulate the private financial market. Improving the financial system and promoting the local economic development has played an exemplary role. However, the small loan company of Heilongjiang Province has also encountered many problems and faced many challenges in the process of development. In the process of development, it is of great practical significance to continuously summarize the problems and explore the countermeasures to promote the continuous development of small loan companies in Heilongjiang Province. First of all, through the domestic and foreign microfinance related literature combing, the concept of microfinance companies are clear, its characteristics are summarized, and research on the development of microfinance companies closely linked to the theory. This part mainly includes credit rationing theory, information asymmetry theory and transaction cost theory. Also for the development of microfinance companies to do some theoretical supplement. Secondly, the article from the establishment of small loan companies in Heilongjiang Province, loans and assets to investigate the development of the situation. In the process of development, there are still some problems, mainly institutional, internal and external. The legal status of microfinance companies needs to be further clarified, financing channels need to be further broadened; In terms of internal problems, the ownership structure of microfinance companies is not reasonable, the profitability is low, the risk management mechanism needs to be further improved; External problems are mainly lack of support of relevant policies and lack of regulatory bodies. Thirdly, the paper deeply analyzes the factors that affect the development of small loan companies in Heilongjiang Province using AHP. And the use of mathematical models for empirical analysis. Apply theoretical knowledge to practical research, quantitative analysis of many factors affecting the development of microfinance companies. Using ranking to determine its impact and importance. For the next step of the proposed reform strategy pointed out the direction. The last part of the article to analyze the previous problems combined with the results of empirical research. The government should speed up the promulgation and implementation of relevant laws and regulations, and give the development of microfinance companies institutional protection; Use the government to set up financing center, the company strengthens the cooperation with the bank and so on means solves its financing problem; Strengthen product innovation, train professionals to provide the profitability of microfinance companies; The government should fulfill its responsibility, provide policy support and strengthen supervision. The author hopes that the research and suggestion of this paper can provide a reference for the decision of the management and supervision department of the small loan company in Heilongjiang Province.
【學(xué)位授予單位】：東北農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.39

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