本文選題：小額信貸　切入點(diǎn)：小額貸款公司　出處：《河北師范大學(xué)》2017年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：目前我國(guó)從事小額信貸業(yè)務(wù)的機(jī)構(gòu)主要有商業(yè)銀行、農(nóng)村信用社、郵政儲(chǔ)蓄銀行等金融機(jī)構(gòu)以及小額貸款公司。小額貸款公司為各層級(jí)的經(jīng)濟(jì)體尤其是本地的個(gè)體工商業(yè)者、小企業(yè)主以及農(nóng)戶的發(fā)展方面提供了大量的資金支持,也為本地區(qū)經(jīng)濟(jì)的茁壯發(fā)展提供了極為便利的條件。但是,在小額貸款公司的發(fā)展過(guò)程中存在著不少制約其可持續(xù)發(fā)展的問(wèn)題,既有宏觀方面的,如性質(zhì)定位不明、“只貸不存”、資金來(lái)源受限等先天不足之類(lèi)的問(wèn)題;也有微觀方面的,如利率制定不合理、貸款產(chǎn)品缺乏創(chuàng)新、征信系統(tǒng)不完善等不足。這些問(wèn)題的存在不但阻礙了小額貸款公司規(guī)模的擴(kuò)大與盈利的增加,而且還抑制了小額資金需求者的正常生產(chǎn)、經(jīng)營(yíng)活動(dòng),不利于社會(huì)和經(jīng)濟(jì)的快速、穩(wěn)定、持久發(fā)展。因此,小額貸款公司如何在不偏離自身定位的情況下實(shí)現(xiàn)可持續(xù)的發(fā)展,使它持續(xù)為廣大農(nóng)村地區(qū)、中小企業(yè)提供金融服務(wù),滿足其融資需求,成為亟需解決的關(guān)鍵問(wèn)題。本文以河北省小額貸款公司為研究對(duì)象,探索河北省小額貸款公司的可持續(xù)發(fā)展之路,主要研究?jī)?nèi)容如下:第一部分緒論主要介紹本文的研究背景、國(guó)內(nèi)外文獻(xiàn)綜述、主要內(nèi)容、研究方法、創(chuàng)新點(diǎn)及不足之處。第二部分是相關(guān)理論基礎(chǔ)。一是介紹了小額貸款、小額信貸的概念;二是分析可持續(xù)性發(fā)展的含義,包括金融可持續(xù)發(fā)展和小額貸款公司可持續(xù)發(fā)展。第三部分是國(guó)外小額信貸的發(fā)展現(xiàn)狀。主要對(duì)國(guó)外的秘魯小貸銀行、庫(kù)斯科城市儲(chǔ)蓄貸款公司、費(fèi)耶銀行、陽(yáng)光銀行的發(fā)展現(xiàn)狀進(jìn)行了研究,分析他們的成功經(jīng)驗(yàn)以及我國(guó)小額貸款公司發(fā)展可借鑒之處。第四部分是河北省小額貸款公司發(fā)展現(xiàn)狀,是本文重點(diǎn)分析的內(nèi)容。首先介紹河北省小額貸款公司的發(fā)展歷程,其次從機(jī)構(gòu)數(shù)量、實(shí)收資本、貸款余額、從業(yè)人員數(shù)量四個(gè)方面分析河北省小額貸款公司的基本情況。第五部分是河北省小額貸款公司存在的主要問(wèn)題。通過(guò)對(duì)河北省小額貸款公司的現(xiàn)狀分析,一是提出傳統(tǒng)小貸公司面臨的主要問(wèn)題:稅收負(fù)擔(dān)過(guò)重、行業(yè)競(jìng)爭(zhēng)激烈、后續(xù)資金有限、自身定位不明、征信系統(tǒng)缺失、產(chǎn)品創(chuàng)新受限;二是提出新業(yè)態(tài)小貸公司面臨的問(wèn)題,如“校園貸”違規(guī)經(jīng)營(yíng),限貸令限制業(yè)務(wù)發(fā)展,對(duì)河北省小額貸款公司可持續(xù)發(fā)展道路上存在的主要問(wèn)題進(jìn)行總結(jié)。第六部分是促進(jìn)河北省小額貸款公司可持續(xù)發(fā)展的對(duì)策建議。從加大政策扶持、尋找多渠道融資方式、引入互聯(lián)網(wǎng)商業(yè)模式、引入大數(shù)據(jù)加強(qiáng)征信系統(tǒng)等不同層面制定可行性的對(duì)策建議,對(duì)進(jìn)一步推動(dòng)河北省小額貸款公司持續(xù)健康發(fā)展,具有重要借鑒意義。
[Abstract]:At present, the main institutions engaged in microfinance business in China are commercial banks, rural credit cooperatives, postal savings banks and other financial institutions, as well as microfinance companies. Microfinance companies are economies at all levels, especially local individual businessmen. Small business owners, as well as farmers, have provided substantial financial support for the development of the region, which has also provided a very convenient condition for the economic growth of the region. In the process of the development of microfinance companies, there are many problems that restrict their sustainable development, such as macroscopic aspects, such as unclear nature, "only loans do not exist", limited sources of funds, and so on. If the interest rate is not reasonable, the loan product lacks the innovation, the credit system is not perfect and so on. Moreover, it also inhibits the normal production and business activities of small fund demanders, which is not conducive to the rapid, stable and sustainable development of society and economy. Therefore, how can microfinance companies achieve sustainable development without deviating from their own position? It has become a key problem to provide financial services and meet the financing needs of small and medium-sized enterprises in rural areas. This paper takes the small loan Company of Hebei Province as the research object. The main research contents are as follows: the first part mainly introduces the research background, domestic and foreign literature review, main content, research methods, The second part is the theoretical basis. One is to introduce the concept of microfinance, the other is to analyze the meaning of sustainable development. The third part is about the current situation of the development of micro-credit abroad. The third part is mainly to foreign small loan banks of Peru, Cusco City savings and loan Corporation, Faye Bank, The present situation of the development of the Sunshine Bank is studied, and their successful experience is analyzed. The 4th part is the present situation of the development of the small loan company in Hebei Province, which can be used for reference in the development of the micro-credit company in China. It is the main content of this paper. Firstly, it introduces the development course of Hebei micro-loan company, secondly, from the number of institutions, paid-in capital, loan balance, This paper analyzes the basic situation of Hebei Microloan Company from four aspects of the number of employees. Part 5th is the main problem of Hebei Microloan Company. Through the analysis of the present situation of Hebei Microloan Company, One is to put forward the main problems faced by traditional small loan companies: excessive tax burden, fierce competition in the industry, limited follow-up funds, unclear positioning, lack of credit information system and limited product innovation; second, the problems faced by small loan companies in the new state of business. If the "campus loan" is operated illegally, the restriction order will restrict the development of the business. This paper summarizes the main problems existing in the sustainable development of Hebei Microloan Corporation. Part 6th is the countermeasures and suggestions to promote the sustainable development of Hebei Microloan Corporation. The introduction of Internet business model, the introduction of big data to strengthen the credit system and other different levels to formulate feasible countermeasures and suggestions for the further promotion of sustainable and healthy development of small loan companies in Hebei Province, has an important reference significance.
【學(xué)位授予單位】：河北師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.39

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本文編號(hào)：1607025