本文關(guān)鍵詞：F小額貸款公司的經(jīng)營與發(fā)展研究　出處：《西南財經(jīng)大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 商業(yè)性 小額貸款公司 經(jīng)營現(xiàn)狀

【摘要】：自從2005年中國人民銀行首次批準(zhǔn)在山西、陜西、四川、貴州和內(nèi)蒙古五省(自治區(qū))進(jìn)行“可持續(xù)性和商業(yè)性小額貸款機(jī)構(gòu)”試點以來,我國商業(yè)性小額貸款公司有了突飛猛進(jìn)的發(fā)展。截止2012年12月末,我國小貸公司數(shù)量已經(jīng)達(dá)到6080家,貸款余額5921.38億元,從業(yè)人員70343人,為不少農(nóng)戶、個體工商戶和小微企業(yè)提供了資金幫助。 在行業(yè)迅猛發(fā)展的同時,小額貸款公司也存在著許多的問題。比如逐利性過重導(dǎo)致小額貸款公司在運作上缺乏規(guī)范性,普遍存在著收取服務(wù)費和管理費的現(xiàn)象,使得貸款的實際年化利率超過四倍基準(zhǔn)利率。同時,小額貸款公司發(fā)放的單筆貸款金額普遍偏大,發(fā)放的貸款中涉及三農(nóng)的比例也較小,與“小額、分散”的原則存在著一定的偏差。除了自身經(jīng)營方面存在的問題外,由于現(xiàn)行政策對小額貸款公司經(jīng)營區(qū)域、資金來源等諸多方面的限制,小額貸款公司的發(fā)展尚存很多障礙和不確定因素。 在這樣的背景下,我國商業(yè)性小額貸款公司的具體經(jīng)營情況如何,未來又該何去何從?基于這些問題,本文以一家總部設(shè)立在成都,業(yè)務(wù)涉及四川、重慶和湖北三地的F小貸公司為例,分析我國商業(yè)性小貸公司的經(jīng)營現(xiàn)狀,總結(jié)其目前的特征和存在的問題,并據(jù)此給出解決方案,提出一些發(fā)展建議。F小貸公司作為一家運作較為規(guī)范、業(yè)務(wù)量較大的小額貸款公司,一方面具有商業(yè)性小額貸款公司的普遍特性,能較好的反映目前商業(yè)性小額貸款公司在經(jīng)營中面臨的問題；同時,其母公司在國外擁有豐富的微貸運作經(jīng)驗,使得F小貸在運作上具有一定的先進(jìn)性和創(chuàng)新性,值得我國眾多的商業(yè)性小額貸款公司借鑒參考。本文采取案例分析的形式,收集了大量的一手資料,利用多種分析手段,將理論與實際有機(jī)的結(jié)合起來,力求為我國商業(yè)性小額貸款公司的運作發(fā)展給出一定的建議。 文章首先介紹了寫作的背景和意義,介紹了我國商業(yè)性小額貸款公司的發(fā)展歷程以及F小額貸款公司的代表性,同時總結(jié)了前人的研究,介紹了目前國內(nèi)關(guān)于小額貸款的討論集中于國外成功的小額貸款機(jī)構(gòu)運作模式及在中國的適用性,探討實踐中商業(yè)性小額貸款公司存在的各種問題。接下來對F小額貸款公司的基本情況、產(chǎn)品特征、貸款審批流程等經(jīng)營模式方面進(jìn)行了介紹。然后分析了四川、重慶和湖北三地的宏觀經(jīng)濟(jì)運行情況和小額貸款公司的發(fā)展情況,指出三地小額貸款市場潛力巨大,適合F小貸公司的發(fā)展。在此基礎(chǔ)上,對F小額貸款公司的經(jīng)營情況進(jìn)行了分析總結(jié),縱向分析F小貸公司整體的發(fā)展過程的同時,橫向比較公司內(nèi)部三地公司分別的經(jīng)營情況,在此基礎(chǔ)上對比總結(jié)F公司的經(jīng)營特征,同時利用SWOT分析法對F小貸公司在經(jīng)營中的優(yōu)勢與劣勢、面臨的機(jī)會和障礙進(jìn)行總結(jié)。最后,根據(jù)前文的總結(jié),為F小貸公司在經(jīng)營發(fā)展方面存在的問題提出可能的解決方案和建議,同時也指出了現(xiàn)有小額貸款公司支持政策存在的一些缺陷和改進(jìn)方向。
[Abstract]:Since 2005 the people's Bank of Chinese approved for the first time in Shanxi, Shaanxi, Sichuan, Guizhou and Inner Mongolia five provinces (autonomous regions) since the "sustainable and commercial microfinance institutions" pilot, commercial microfinance companies in China have developed rapidly. By the end of 12 at the end of 2012, the number of China's small loan company has reached 6080 home loans 592 billion 138 million yuan, employing 70343 people, as many farmers, individual industrial and commercial households and Small and micro businesses to provide financial help.
In the rapid development of small loan companies at the same time, there are also many problems. Such as the result of the heavy profit microfinance company is lack of standardization in operation, widespread service fees and management fees, the actual loan annualized rate of more than four times the benchmark interest rate. At the same time, the amount of a single loan small loans companies generally too large, loans involving agriculture proportion is small, and the "small, scattered" principle exist certain deviation. In addition to their own business problems, due to the current policy on the regional management of small loan companies, sources of funds and other restrictions, the development of the remaining small loan companies many obstacles and uncertain factors.
In this context, how the specific operating conditions of small loan companies in China and the future of the business, based on these problems, decide on what path to follow? In this paper, a headquarters in Chengdu, Chongqing and Hubei business in Sichuan, three of the F small loan company as an example, analysis of the current management of commercial small loan company in China the summary of the current characteristics and problems, and gives the solution, puts forward some development suggestions of.F small loan company as a business operation of more standardized, large amount of small loan companies, generally has the characteristics of commercial microfinance companies on the one hand, can reflect the current commercial microfinance companies face in the operating problems; at the same time, its parent company in a foreign country with rich micro credit operation experience, making the F small loan is advanced and innovative in operation, is worth of our numerous small business In the form of case analysis, we collected a lot of first-hand data, combined with theory and practice, and tried to provide some suggestions for the operation and development of commercial micro credit companies in China.
This paper firstly introduces the background and significance of writing, introduces the representative course of development of China's small loan company and F commercial microfinance companies, and summarizes the previous research, introduces the current discussion about microfinance focused on domestic small loan institutions overseas successful mode of operation and applicability in the Chinese to investigate the various problems, small loan companies in commercial practice. Then the basic situation of the F small loan company product characteristics, in terms of the loan approval process and other business model are introduced. Then the analysis of Sichuan, Chongqing and Hubei three to the macroeconomic situation and the development of small loan companies, pointed out three microfinance market has great potential for the development of F, a small loan company. On this basis, the operation of the F small loan company were analyzed and summarized, the longitudinal analysis F The development process of the company's overall credit at the same time, the internal comparison company three companies were operating conditions, on the basis of comparing the operating characteristics of F company, and the advantages and disadvantages in the management of F small loan company by SWOT analysis, the opportunities and obstacles in summary. Finally, according to the above summarize and propose possible solutions and suggestions for F small loan companies existing in business development issues, but also pointed out that the existing microfinance company support policy has some defects and the direction of improvement.

【學(xué)位授予單位】：西南財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.4;F272.3

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