重慶市小額貸款公司發(fā)展困境及對策研究
發(fā)布時間：2018-08-22 13:36
【摘要】：中國人民銀行于2005年在全國五省區(qū)開展小額貸款公司試點工作,從此我國小額貸款公司蓬勃發(fā)展,對社會經(jīng)濟發(fā)展做出了積極貢獻,對中小企業(yè)和“三農(nóng)”的生產(chǎn)經(jīng)營起到了較大的扶持作用。但是在發(fā)展過程中仍存在著許多問題有待解決,特別是在西部經(jīng)濟欠發(fā)達地區(qū),“三農(nóng)”發(fā)展問題更為突出,資金缺乏問題更為明顯,中小企業(yè)融資難問題更加嚴峻,而重慶市作為西部地區(qū)的典型城市之一也不例外,所以解決好小額貸款公司在經(jīng)營管理過程中出現(xiàn)的問題,才能保障其健康持續(xù)發(fā)展。本文以金融抑制和深化理論、交易費用理論、信貸配給理論以及信息不對稱理論為依托,從理論上分析了我國小額貸款公司的發(fā)展由來,再通過對重慶市小額貸款公司進行實地調(diào)研,獲取相關(guān)數(shù)據(jù)并結(jié)合西部地區(qū)的發(fā)展特點,探究重慶市小額貸款公司的發(fā)展現(xiàn)狀,探尋其面臨的發(fā)展困境,并針對出現(xiàn)的這些問題提出相應(yīng)的解決措施,從而幫助重慶市小額貸款公司更好的發(fā)展。通過研究本文得出如下結(jié)論:(1)重慶市小額貸款公司的成立具有較大現(xiàn)實意義。在重慶市政府的支持下,目前重慶市小額貸款公司總體發(fā)展較好,風險控制情況良好,利率水平合理,融資渠道較為創(chuàng)新,在貸款額度、貸款方式、利率水平以及服務(wù)態(tài)度等方面,為“三農(nóng)”和中小企業(yè)提供了一個優(yōu)質(zhì)便利的融資渠道,為支持地方經(jīng)濟作出了積極貢獻。(2)重慶市小額貸款公司在發(fā)展中面臨困境,仍有許多方面需要規(guī)范和完善。諸如主體定位不明確、融資渠道有限、缺乏有效的風險控制、監(jiān)管制度不完善等。(3)解決重慶市小額貸款公司發(fā)展困境的政策建議。針對上述問題,提出相應(yīng)的政策建議或借鑒其他地區(qū)的先進經(jīng)驗制定一些改善辦法,并加以落實,從而克服這些不利因素的制約,實現(xiàn)重慶市小額貸款公司的健康發(fā)展。
[Abstract]:In 2005, the people's Bank of China launched pilot work on microfinance companies in five provinces and regions of the country. Since then, microfinance companies in China have flourished, making positive contributions to social and economic development. Small and medium-sized enterprises and the "three rural" production and management has played a greater role in support. However, there are still many problems to be solved in the process of development, especially in the underdeveloped areas of western China, where the problems of "agriculture, countryside and farmers" are more prominent, the problem of lack of funds is more obvious, and the problem of financing for small and medium-sized enterprises is more severe. Chongqing, as one of the typical cities in the western region, is no exception, so solve the problems in the process of operation and management of micro-loan companies to ensure their healthy and sustainable development. Based on financial suppression and deepening theory, transaction cost theory, credit rationing theory and information asymmetry theory, this paper theoretically analyzes the origin of the development of microfinance companies in China. Then through the field investigation of Chongqing micro-loan company, obtain the relevant data and combine the development characteristics of the western region, explore the development status of Chongqing micro-credit company, explore the development dilemma it faces. And to solve these problems, to help Chongqing microfinance company better development. The conclusions are as follows: (1) the establishment of Chongqing Microfinance Company has great practical significance. With the support of the Chongqing Municipal Government, at present, Chongqing Microloan Company has a relatively good overall development, a good risk control situation, a reasonable level of interest rates, and a relatively innovative financing channel. Interest rate level and service attitude have provided a good and convenient financing channel for the "three rural areas" and small and medium-sized enterprises, and have made positive contributions to supporting the local economy. (2) Chongqing Microfinance Corporation is facing difficulties in its development. There are still many aspects that need to be standardized and improved. Such as unclear positioning of the main body, limited financing channels, lack of effective risk control, regulatory system is not perfect. (3) to solve the plight of the development of small loan companies in Chongqing policy recommendations. In view of the above problems, this paper puts forward corresponding policy suggestions or draws lessons from the advanced experience of other regions to formulate some improvement measures and implement them so as to overcome the constraints of these unfavorable factors and to realize the healthy development of Chongqing Microloan Company.
【學(xué)位授予單位】：重慶理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.39
本文編號：2197258
[Abstract]:In 2005, the people's Bank of China launched pilot work on microfinance companies in five provinces and regions of the country. Since then, microfinance companies in China have flourished, making positive contributions to social and economic development. Small and medium-sized enterprises and the "three rural" production and management has played a greater role in support. However, there are still many problems to be solved in the process of development, especially in the underdeveloped areas of western China, where the problems of "agriculture, countryside and farmers" are more prominent, the problem of lack of funds is more obvious, and the problem of financing for small and medium-sized enterprises is more severe. Chongqing, as one of the typical cities in the western region, is no exception, so solve the problems in the process of operation and management of micro-loan companies to ensure their healthy and sustainable development. Based on financial suppression and deepening theory, transaction cost theory, credit rationing theory and information asymmetry theory, this paper theoretically analyzes the origin of the development of microfinance companies in China. Then through the field investigation of Chongqing micro-loan company, obtain the relevant data and combine the development characteristics of the western region, explore the development status of Chongqing micro-credit company, explore the development dilemma it faces. And to solve these problems, to help Chongqing microfinance company better development. The conclusions are as follows: (1) the establishment of Chongqing Microfinance Company has great practical significance. With the support of the Chongqing Municipal Government, at present, Chongqing Microloan Company has a relatively good overall development, a good risk control situation, a reasonable level of interest rates, and a relatively innovative financing channel. Interest rate level and service attitude have provided a good and convenient financing channel for the "three rural areas" and small and medium-sized enterprises, and have made positive contributions to supporting the local economy. (2) Chongqing Microfinance Corporation is facing difficulties in its development. There are still many aspects that need to be standardized and improved. Such as unclear positioning of the main body, limited financing channels, lack of effective risk control, regulatory system is not perfect. (3) to solve the plight of the development of small loan companies in Chongqing policy recommendations. In view of the above problems, this paper puts forward corresponding policy suggestions or draws lessons from the advanced experience of other regions to formulate some improvement measures and implement them so as to overcome the constraints of these unfavorable factors and to realize the healthy development of Chongqing Microloan Company.
【學(xué)位授予單位】：重慶理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.39
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