發(fā)布時間：2019-04-02 15:28

【摘要】：本文在對寧波市試點的小額貸款公司逐個調(diào)研的基礎(chǔ)上,以問卷、與總經(jīng)理對話、小型會議等方式,研究了小額貸款公司的資金來源、內(nèi)部業(yè)務(wù)及其相關(guān)問題。研究發(fā)現(xiàn),小額貸款公司將民間資本引導(dǎo)至合法的渠道,業(yè)務(wù)運營狀況良好,解決了農(nóng)戶、微型企業(yè)融資難問題。但小額貸款公司存在明顯的資金瓶頸問題,貸款資金來源非常有限,主要源于自有資金。因此,本文提出以下建議:小額貸款公司要提高融資比例,增加后續(xù)資金;建立信用評價體系,加強(qiáng)風(fēng)險管理;重視"三農(nóng)"和中小企業(yè)服務(wù)的貸款投向,并最終轉(zhuǎn)制成純金融類機(jī)構(gòu),這樣才能可持續(xù)發(fā)展。
[Abstract]:On the basis of one-by-one investigation of micro-loan companies in Ningbo, this paper studies the source of funds, internal business and related problems of micro-loan companies by means of questionnaire, dialogue with general manager, small-scale meeting and so on. It is found that microfinance companies lead private capital to legal channels, and their business is in good condition, which solves the problem of financing for farmers and micro-enterprises. However, there are obvious capital bottlenecks in microfinance companies, the source of loan funds is very limited, mainly from their own funds. Therefore, this paper puts forward the following suggestions: micro-loan companies should increase the proportion of financing, increase the follow-up funds, establish a credit evaluation system, strengthen risk management; Pay attention to "agriculture, rural areas" and small and medium-sized enterprises service loan investment, and finally turn into pure financial institutions, so as to achieve sustainable development.
【作者單位】： 浙江萬里學(xué)院商學(xué)院;寧波諾丁漢大學(xué);
【基金】：小額貸款公司對民間資本的吸引及其規(guī)范運作的研究——以浙江省為例項目資助(項目編號:10YJA790171)
【分類號】：F832.4

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