【摘要】：由于結(jié)構(gòu)性金融抑制，我國(guó)金融機(jī)構(gòu)為中小企業(yè)和小微客戶提供的金融服務(wù)嚴(yán)重不足，造成民間金融活躍、高利貸盛行，直接影響著我國(guó)的經(jīng)濟(jì)發(fā)展。小額貸款公司的誕生，標(biāo)志著我國(guó)金融體制創(chuàng)新的深化。小貸公司在有效解決中小企業(yè)和小微客戶融資問題方面一直備受關(guān)注，然而小額貸款公司在發(fā)展過程中也出現(xiàn)了許多問題。 小額貸款公司除了經(jīng)營(yíng)機(jī)制靈活、手續(xù)簡(jiǎn)便、市場(chǎng)空間較大、有機(jī)會(huì)轉(zhuǎn)型等好的方面外；還存在著資金瓶頸、創(chuàng)新不足、稅收過重、成本居高不下、監(jiān)管缺失、征信受阻、違法違規(guī)行為難控等問題。如何科學(xué)合理的解決小貸公司現(xiàn)狀，提出合理的可持續(xù)發(fā)展方案，對(duì)小貸公司發(fā)展具有現(xiàn)實(shí)意義。本文在理論研究基礎(chǔ)上，采用SWOT分析法對(duì)我國(guó)小額貸款公司現(xiàn)狀進(jìn)行分析，明確了小額貸款公司目前存在的優(yōu)勢(shì)、劣勢(shì)、機(jī)遇和風(fēng)險(xiǎn)，使我們更為客觀的了解了小額貸款公司現(xiàn)狀，最后提出了建立小額貸款公司可持續(xù)發(fā)展機(jī)制的要求。在建立六項(xiàng)機(jī)制的內(nèi)容里，提出如何建立經(jīng)營(yíng)績(jī)效指標(biāo)評(píng)價(jià)體系、可持續(xù)發(fā)展指標(biāo)衡量標(biāo)準(zhǔn)、規(guī)模和費(fèi)用控制機(jī)制、利率定價(jià)機(jī)制、最優(yōu)市場(chǎng)定位機(jī)制、風(fēng)險(xiǎn)防范機(jī)制、監(jiān)管機(jī)制、財(cái)政政策和金融政策支持的政策支持機(jī)制。 論文包括五部分：第一章緒論主要介紹研究背景和意義，并對(duì)國(guó)內(nèi)外理論研究進(jìn)行概述，，提出了本文的研究目標(biāo)和創(chuàng)新方向；第二章概述了小額貸款公司可持續(xù)發(fā)展理論依據(jù)，并比較分析了公益型小貸公司和商業(yè)型小貸公司可持續(xù)發(fā)展現(xiàn)狀，論述了兩種模式在可持續(xù)發(fā)展方面存在的問題；第三章概述了中國(guó)小額貸公司的發(fā)展歷程，較為清晰的描述了中國(guó)小貸公司的由來、發(fā)展和演變的過程；第四章對(duì)中國(guó)小額貸款公司現(xiàn)狀進(jìn)行了分析。通過使用SWOT分析方法，詳細(xì)分析了小貸公司的優(yōu)勢(shì)、劣勢(shì)、機(jī)遇和風(fēng)險(xiǎn)四個(gè)方面，并建立了SWOT矩陣，提出了小貸公司的戰(zhàn)略定位；第五章是在以上四章的基礎(chǔ)上，提出了建立小額貸款公司可持續(xù)發(fā)展機(jī)制。主要從指標(biāo)管理機(jī)制、經(jīng)營(yíng)機(jī)制、市場(chǎng)定位機(jī)制、風(fēng)險(xiǎn)管理機(jī)制、監(jiān)管機(jī)制和政策支持機(jī)制六方面闡述了建議。
[Abstract]:Due to the suppression of structural finance, the financial services provided by financial institutions to small and medium-sized enterprises and small and micro customers are seriously insufficient, resulting in active private finance and the prevalence of usury, which directly affects the economic development of our country. The birth of microfinance companies marks the deepening of the innovation of China's financial system. Small loan companies have always attracted much attention in effectively solving the financing problems of small and medium-sized enterprises and small and micro customers. However, there are also many problems in the development process of micro-loan companies. In addition to flexible management mechanism, simple procedures, large market space, opportunities for transformation and other good aspects of microfinance companies; There are still some problems, such as capital bottleneck, insufficient innovation, excessive tax revenue, high cost, lack of supervision, obstruction of credit collection, difficult to control illegal and illegal behavior and so on. How to solve the present situation of small loan company scientifically and reasonably and put forward a reasonable sustainable development scheme is of practical significance to the development of small loan company. On the basis of theoretical research, this paper analyzes the present situation of microfinance companies in China by using SWOT analysis method, and clarifies the advantages, disadvantages, opportunities and risks of microfinance companies at present. So that we have a more objective understanding of the current situation of microfinance companies, and finally put forward the requirements for the establishment of sustainable development mechanism of microfinance companies. In the content of establishing six mechanisms, this paper puts forward how to establish the evaluation system of business performance index, the measurement standard of sustainable development index, the mechanism of scale and cost control, the mechanism of interest rate pricing, the mechanism of optimal market positioning and the mechanism of risk prevention. Regulatory mechanism, fiscal policy and financial policy support mechanism. The paper consists of five parts: the first chapter mainly introduces the research background and significance, and summarizes the theoretical research at home and abroad, and puts forward the research objectives and innovation direction of this paper; The second chapter summarizes the theoretical basis of sustainable development of microfinance companies, compares and analyzes the current situation of sustainable development of public welfare small loan companies and commercial small loan companies, and discusses the problems existing in the sustainable development of the two models. The third chapter summarizes the development process of Chinese microfinance companies, and clearly describes the origin, development and evolution of Chinese small loan companies. The fourth chapter analyzes the current situation of Chinese microfinance companies. By using SWOT analysis method, the advantages, disadvantages, opportunities and risks of small loan companies are analyzed in detail, and the SWOT matrix is established, and the strategic positioning of small loan companies is put forward. The fifth chapter is based on the above four chapters, and puts forward the establishment of sustainable development mechanism of microfinance companies. This paper mainly expounds the suggestions from six aspects: index management mechanism, market positioning mechanism, risk management mechanism, supervision mechanism and policy support mechanism.
【學(xué)位授予單位】：吉林財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.39

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相關(guān)期刊論文 前1條

1 周振海;;基于壟斷和價(jià)格管制條件下的中國(guó)農(nóng)村小額信貸市場(chǎng)分析[J];金融研究;2007年08期

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