【摘要】：為了促進(jìn)農(nóng)村地區(qū)經(jīng)濟的發(fā)展，彌補農(nóng)村金融的空白，，引導(dǎo)民間資本陽光化，2005年上半年中央銀行決定在山西、陜西、四川、貴州和內(nèi)蒙古五省區(qū)實行主要由私有資金投資的小額貸款公司試點。2008年5月銀監(jiān)會出臺了《關(guān)于小額貸款公司試點的指導(dǎo)意見》，為小額貸款公司的建立和發(fā)展提供了政策保證。自此，中國小額貸款公司迅速發(fā)展,在全國范圍內(nèi)的小額貸款公司數(shù)量不斷增加,增長速度之迅猛--截至2012年6月末，全國共有小額貸款公司5267家。 小額貸款公司對我國經(jīng)濟的發(fā)展起著舉足輕重的作用。然而發(fā)展中的小額貸款公司面臨著一系列的難題,尤其是小額貸款公司的資金來源問題更是日益凸顯,資金來源問題幾乎是所有小額貸款公司經(jīng)營者大力呼吁并急切渴望得到解決的問題,為了能讓小額貸款公司長遠(yuǎn)可持續(xù)發(fā)展,資金來源問題的解決迫在眉睫。本文主要在制度層面和運營層面全面剖析小額貸款公司資金來源的可持續(xù)性問題，進(jìn)一步證實資金來源是制約我國小額貸款公司可持續(xù)發(fā)展的最大瓶頸之一，在現(xiàn)有理論研究的基礎(chǔ)上，借鑒國際上成功實現(xiàn)可持續(xù)運營的典范，為我國小額貸款公司的可持續(xù)發(fā)展提供可持續(xù)性資金來源的政策和建議。
[Abstract]:In order to promote the economic development of rural areas, make up the gaps in rural finance, and guide the sunshine of private capital, the Central Bank decided in the first half of 2005 that it would be in Shanxi, Shaanxi, and Sichuan. Five provinces and regions in Guizhou and Inner Mongolia have implemented pilot projects for small loan companies mainly invested by private funds. In May 2008, the Banking Regulatory Commission issued the guidelines on pilot projects for small loan companies. It provides policy guarantee for the establishment and development of microfinance companies. Since then, China's microfinance companies have grown rapidly, with the number of microfinance companies nationwide growing at a rapid rate-there were 5267 microfinance companies nationwide by the end of June 2012. Microfinance companies play an important role in the economic development of our country. However, developing microfinance companies are facing a series of difficult problems, especially the problem of the source of funds for microfinance companies, which is becoming increasingly prominent. The problem of the source of funds is a problem that almost all the operators of microfinance companies strongly appeal to and eager to solve. In order to enable the long-term sustainable development of microfinance companies, it is urgent to solve the problem of the source of funds. This paper mainly analyzes the sustainability of microfinance companies' sources of funds at the institutional and operational levels, and further confirms that the sources of funds are one of the biggest bottlenecks that restrict the sustainable development of microfinance companies in China. On the basis of the existing theoretical research, this paper draws lessons from the models of successful sustainable operation in the world, and provides the policies and suggestions for the sustainable development of microfinance companies in China.
【學(xué)位授予單位】：沈陽航空航天大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.39;F830.42

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