發(fā)布時(shí)間：2018-10-16 14:13

【摘要】：摘要：我國(guó)從2005年開始進(jìn)行小額貸款公司的試點(diǎn)工作。經(jīng)過幾年發(fā)展,截止至2012年全國(guó)共計(jì)小額貸款公司6080家。但是小額貸款公司身份定位、監(jiān)督政策、經(jīng)營(yíng)要求等多方面仍然處于不完善的階段,作為我國(guó)特有的一種小額信貸機(jī)構(gòu)組織形式,小額貸款公司能否實(shí)現(xiàn)可持續(xù)發(fā)展一直倍受關(guān)注。研究小額貸款公司的可持續(xù)發(fā)展有助于探索適合小額貸款公司持續(xù)經(jīng)營(yíng)的發(fā)展策略、發(fā)展方向。 本文在對(duì)小額信貸機(jī)構(gòu)的可持續(xù)性進(jìn)行理論分析的基礎(chǔ)上,介紹小額信貸機(jī)構(gòu)發(fā)展現(xiàn)狀,本文選擇高橋小額貸款公司作為具體的研究對(duì)象,對(duì)其經(jīng)營(yíng)現(xiàn)狀進(jìn)行分析,然后從外部經(jīng)營(yíng)環(huán)境和內(nèi)部業(yè)務(wù)操作兩個(gè)方面對(duì)其可持續(xù)性作出分析。在可持續(xù)研究部分,本文重點(diǎn)運(yùn)用世界銀行扶貧協(xié)商組織(CGAP)在研究小額信貸機(jī)構(gòu)可持續(xù)性時(shí)采用的指標(biāo)體系,對(duì)高橋小額貸款公司的可持續(xù)性從財(cái)務(wù)、利率和覆蓋面三個(gè)方面進(jìn)行研究,將小額信貸信息交流中心(MIX)關(guān)于小額信貸機(jī)構(gòu)研究結(jié)果和高橋小額貸款公司研究結(jié)果進(jìn)行對(duì)比分析。通過內(nèi)外部分析、對(duì)比分析找出公司在可持續(xù)發(fā)展中存在的問題,并對(duì)原因進(jìn)行探究,最后從外部環(huán)境、內(nèi)部經(jīng)營(yíng)和業(yè)務(wù)操作等角度提出對(duì)應(yīng)建議,找出公司適合的發(fā)展道路。
[Abstract]:Absrtact: the pilot work of micro-loan company began in 2005 in our country. After several years of development, up to 2012, a total of 6080 microfinance companies. However, the status of microfinance companies, supervision policies, business requirements and other aspects are still in an imperfect stage, as a unique form of micro-credit organization in China. Whether the microfinance company can realize the sustainable development has been paid close attention to all the time. To study the sustainable development of microfinance companies is helpful to explore the development strategy and development direction suitable for microfinance companies. Based on the theoretical analysis of the sustainability of microfinance institutions, this paper introduces the current situation of the development of microfinance institutions. Then it analyzes its sustainability from two aspects: external business environment and internal business operation. In the sustainable research part, this paper focuses on the use of the World Bank's poverty alleviation consultative organization (CGAP) in the study of the sustainability of microfinance institutions indicators system, the sustainability of Takahashi microfinance companies from the financial, The research on interest rate and coverage is carried out. The research results of (MIX) and Takahashi Microcredit Corporation are compared and analyzed. Through internal and external analysis, comparative analysis to find out the problems in the sustainable development of the company, and explore the reasons, and finally from the external environment, internal management and business operations to put forward corresponding suggestions, to find out the suitable way of development of the company.
【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前5條

1 陳小懿;陳煦飛;莊妍;;小額貸款公司的現(xiàn)狀探究及發(fā)展建議——以上海市小額貸款公司為個(gè)案[J];成都行政學(xué)院學(xué)報(bào);2010年03期

2 李修平;;“只貸不存”小額貸款公司的風(fēng)險(xiǎn)及對(duì)策[J];當(dāng)代經(jīng)濟(jì);2009年04期

3 趙小晶;楊海芬;王建中;;我國(guó)商業(yè)性小額貸款公司的運(yùn)營(yíng)探析[J];南方金融;2009年04期

4 邢早忠;;小額貸款公司可持續(xù)發(fā)展問題研究[J];上海金融;2009年11期

5 林恩偉;;論小額貸款公司運(yùn)行:制度環(huán)境與完善——以浙江省小額貸款公司運(yùn)行現(xiàn)狀為分析視角[J];上海商學(xué)院學(xué)報(bào);2010年03期

，

本文編號(hào)：2274618