本文關(guān)鍵詞：基于博弈論的西雙版納州小額貸款公司發(fā)展對策研究　出處：《云南師范大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 小額貸款公司 發(fā)展策略 博弈論

【摘要】：自2005年開展小額貸款公司試點至今9年來，小額貸款公司搭載改革的春風(fēng)，沖撞著現(xiàn)行僵化的金融體系，在抑制高利貸、引導(dǎo)民間資本開展金融業(yè)務(wù)，服務(wù)“三農(nóng)”、中小微企業(yè)，，支持實體經(jīng)濟(jì)方面起到了十分巨大的作用，取得了顯著成績。小額貸款公司異軍突起，已成為了不容小視的新興金融機構(gòu)。 但是，作為一個經(jīng)營貨幣信用業(yè)務(wù)的新生機構(gòu)，隨著試點的逐步展開，小額貸款公司本身的問題也逐漸顯現(xiàn)，包括性質(zhì)定位不明、監(jiān)管歸屬不清、出路不明確、融資杠桿過低、稅費負(fù)擔(dān)過重、監(jiān)管體制缺失、專業(yè)人才匱乏以及社會信用環(huán)境有待提高等，這些問題制約了小額貸款公司的可持續(xù)發(fā)展，小額貸款公司的再發(fā)展面臨因境。同時，從整體上看，其“扶貧濟(jì)困、支農(nóng)支小”的發(fā)展初衷也未能完全實現(xiàn)。如何利用好小額貸款公司，發(fā)揮這一金融創(chuàng)新機構(gòu)的作用，引導(dǎo)民間資本用于合理用途，是目前亟待解決的問題。 本文在總結(jié)國外小額信貸組織發(fā)展模式及經(jīng)驗啟示，并對我國小額貸款公司發(fā)展現(xiàn)狀進(jìn)行分析的基礎(chǔ)上，針對當(dāng)前制約西雙版納州小貸公司發(fā)展的諸多問題，作了詳盡的SWOT分析，同時運用博弈論原理，對小貸公司發(fā)展中各主體博弈關(guān)系作了分析，從政府管理的角度和小貸公司自身建設(shè)角度提出了促進(jìn)小貸公司持續(xù)健康發(fā)展的對策建議，包括：明確小額貸款公司的法律地位和身份定位、建立普惠制的引導(dǎo)政策，加大政策扶持力度、加強社會信用體系建設(shè)，凈化金融生態(tài)環(huán)境、有效拓寬小貸公司融資渠道，建立有效資金供給機制、完善監(jiān)管體制，構(gòu)建科學(xué)監(jiān)管框架、穩(wěn)步推進(jìn)小額貸款公司的經(jīng)營轉(zhuǎn)型、端正經(jīng)營理念，明確市場定位、完善公司法人治理結(jié)構(gòu)，構(gòu)建良好內(nèi)部運行機制、加大產(chǎn)品創(chuàng)新力度，增加服務(wù)品種、加強專業(yè)人才隊伍建設(shè)等。
[Abstract]:Since 2005 to carry out the pilot micro credit company has 9 years, small loan companies equipped with the spring breeze of reform, the current financial system collides with the rigid, in the suppression of usury, to guide private capital to carry out financial services, service three rural, small and micro enterprises, to support the real economy has played a very important role, has made remarkable achievements. Small loan company has become a new A new force suddenly rises., financial institutions can not be overlooked.
However, as a new organization manages the currency credit service, with the pilot gradually, the small loan company itself also gradually, including the nature of supervision is unknown, unclear, the way is not clear, financial leverage is too low, the tax burden is overweight, lack of supervision system, lack of professional talents and social credit environment needs so, these problems restrict the sustainable development of small loan companies, and the development of small loan companies face difficulties. At the same time, on the whole, the "poverty relief, agriculture support small development intention is not fully realized. How to make good use of small loan companies, play the financial innovation mechanism for reasonable use, to guide private capital, is an urgent problem to be solved.
The mode of development and experience of the summary of foreign microfinance organizations, and the basis of the analysis of the current situation of the development of China's small loan company, aiming at the problems restricting the Xishuangbanna small loan company development, made a detailed analysis of SWOT, at the same time using the principle of game theory, the game for each subject in relation to the development of small loan companies analyzed from the angle of view of government administration and small loan companies own construction and puts forward some countermeasures and suggestions, to promote the sustained and healthy development of small loan companies, small loan companies include: a clear legal status and identity, establishing GSP policy, increase policy support, strengthening the construction of social credit system, purify the financial ecological environment. Effectively broaden the financing channels for small loan companies, the establishment of effective money supply mechanism, perfect supervision system, constructing scientific and regulatory framework, steadily promote microfinance company The business transformation is to straighten out business philosophy, clear market positioning, improve corporate governance structure, build good internal operation mechanism, increase product innovation, increase service varieties, and strengthen professional talent team construction.

【學(xué)位授予單位】：云南師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

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本文編號：1392174