【摘要】：從“扶貧經(jīng)濟(jì)合作社”開始我國的小額信貸不斷發(fā)展與進(jìn)步。由于這種信貸模式能夠解決我國一部分農(nóng)村的融資問題,甚至在某些地區(qū)已經(jīng)替代了民間借貸等形式。它可以令更多的公民享受到經(jīng)濟(jì)發(fā)展帶來的好處,還能夠消除社會(huì)以及政治中的各種不穩(wěn)定因素�！靶☆~貸款公司”的資本主體是民營資本家,所以,在小額貸款公司發(fā)展的進(jìn)程當(dāng)中不僅要承擔(dān)內(nèi)部風(fēng)險(xiǎn)還要承擔(dān)不可控制的外部風(fēng)險(xiǎn)。如何能讓小額貸款公司在內(nèi)外部風(fēng)險(xiǎn)共存的環(huán)境下實(shí)現(xiàn)發(fā)展,更好地為我國經(jīng)濟(jì)服務(wù)以及它要走一條什么樣的道路都是經(jīng)濟(jì)界非常重視的問題。 本文在介紹HD小額貸款公司生產(chǎn)發(fā)展以及其生存環(huán)境的基礎(chǔ)上,進(jìn)一步對(duì)HD小額貸款公司的業(yè)務(wù)形式與內(nèi)外部的運(yùn)營風(fēng)險(xiǎn)進(jìn)行了深入仔細(xì)的研究,最終歸納出HD小額貸款公司屬于發(fā)展的比較好的貸款公司,因?yàn)樗诰唧w運(yùn)營方面有自己的特點(diǎn)。它具有便捷靈活的優(yōu)點(diǎn),所以能夠在競爭激烈的市場環(huán)境中生存下去。但是HD小額貸款公司以及其同行也都面臨著內(nèi)外部和政策法律法規(guī)的制約,這些問題是他們靠自己所無法解決的。本文從這些實(shí)際問題出發(fā),為政府制定方針政策與法律法規(guī)提出了一些建議,制定出能正確指引民間資金的政策進(jìn)而促使我國小額貸款行業(yè)的可持續(xù)發(fā)展。
[Abstract]:The development and progress of micro-credit in our country began from the anti-poor economic cooperative. Because this kind of credit mode can solve the financing problem of some rural areas in our country, even in some areas it has replaced the private loan and so on. It will allow more citizens to enjoy the benefits of economic development and eliminate social and political instability. The main body of capital of "microfinance company" is private capitalists. Therefore, in the process of development of microfinance companies, we should not only bear the internal risks but also bear the external risks that can not be controlled. How to enable microfinance companies to achieve development in the environment of coexistence of internal and external risks and to better serve our economy and what kind of road it should take is a very important issue in economic circles. On the basis of introducing the production and development of HD micro-loan company and its living environment, this paper makes a deep and careful study on the business form and internal and external operation risk of HD micro-loan company. Finally, the author concludes that HD microfinance company is a better developed loan company, because it has its own characteristics in specific operation. It has the advantage of convenience and flexibility, so it can survive in the competitive market environment. But HD microfinance companies and their peers are also facing internal and external constraints and policy laws and regulations, which they cannot solve on their own. Based on these practical problems, this paper puts forward some suggestions for the government to formulate the principles, policies and laws and regulations, and makes the policies that can correctly guide the private funds, and then promote the sustainable development of the microfinance industry in our country.
【學(xué)位授予單位】：蘭州理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.39;F272.3

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