本文關(guān)鍵詞： 小額貸款公司 可持續(xù)發(fā)展 風(fēng)險(xiǎn)控制　出處：《安徽財(cái)經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：小額貸款公司是我國(guó)為了緩解農(nóng)村金融服務(wù)不健全、融資渠道窄、融資成本大而成立的一種“只貸不存”的新型金融機(jī)構(gòu)。從2005年開始,小額貸款公司在全國(guó)5個(gè)省市展開全面試點(diǎn)工作,到如今已走過8年歷程,小額貸款公司的發(fā)展已經(jīng)初具雛形。小額貸款機(jī)構(gòu)是金融深化創(chuàng)新的成果,其出現(xiàn)有利于激活農(nóng)村廣闊的金融市場(chǎng),豐富農(nóng)村金融服務(wù)體系,同時(shí)也打破了以商業(yè)銀行為主體的銀行類金融機(jī)構(gòu)在信貸市場(chǎng)上的壟斷地位。但是,其作為一個(gè)新型金融機(jī)構(gòu)在我國(guó)剛開始普及,發(fā)展模式尚無一個(gè)可供參考的標(biāo)準(zhǔn),同時(shí)在其發(fā)展過程中也存在著不少問題和缺陷。因此我覺得有必要以Y小額貸款公司為例對(duì)小額貸款公司的可持續(xù)發(fā)展現(xiàn)狀及潛在的問題進(jìn)行一次全面深入的調(diào)查,在調(diào)查取得相關(guān)數(shù)據(jù)資料的基礎(chǔ)上,找出影響制約小額貸款公司可持續(xù)發(fā)展的因素,這對(duì)于實(shí)現(xiàn)我省乃至全國(guó)小額貸款公司的可持續(xù)發(fā)展,充分發(fā)揮民間借貸資本在金融市場(chǎng)的作用都是大有裨益且具有重要現(xiàn)實(shí)意義的。本文以此作為出發(fā)點(diǎn),全文共分五章： 第一章緒論主要介紹調(diào)研背景目的及意義、國(guó)內(nèi)外研究成果以及調(diào)研思路與方法。 第二章介紹了小額貸款公司可持續(xù)發(fā)展的分類及判斷依據(jù),為后文對(duì)Y小額貸款公司可持續(xù)發(fā)展問題的分析奠定理論部分基礎(chǔ)。 第三章以Y小額貸款公司為例,通過對(duì)其實(shí)地調(diào)研取得大量第一手?jǐn)?shù)據(jù)的基礎(chǔ)上,結(jié)合已有相關(guān)文獻(xiàn),分析Y小額貸款公司的運(yùn)營(yíng)發(fā)展現(xiàn)狀,并結(jié)合之前理論部分對(duì)Y小額貸款公司的可持續(xù)發(fā)展?fàn)顩r給予評(píng)價(jià)。 第四章針對(duì)Y小額貸款公司可持續(xù)發(fā)展的主要障礙及造成此種現(xiàn)象的原因進(jìn)行分析 第五章對(duì)Y小額貸款公司的可持續(xù)發(fā)展提出對(duì)策建議。
[Abstract]:Microfinance company is a new type of financial institution established in our country in order to alleviate the unsound rural financial service, narrow financing channel and high financing cost. Since 2005, the microfinance company has been established as a new type of financial institution. Microfinance companies have launched comprehensive pilot work in five provinces and cities throughout the country. Now they have gone through a process of eight years, and the development of microfinance companies has begun to take shape. Microfinance institutions are the result of financial deepening and innovation. It is beneficial to activate the broad rural financial market, enrich the rural financial service system, and break the monopoly position of the bank financial institutions in the credit market. As a new type of financial institution, it has just begun to be popularized in our country, and there is no standard for reference in its development model. At the same time, there are also many problems and defects in the process of development. Therefore, I think it is necessary to take Y microfinance company as an example to conduct a comprehensive and in-depth investigation into the status quo and potential problems of the sustainable development of microfinance companies. On the basis of the investigation and acquisition of relevant data, we find out the factors that restrict the sustainable development of microfinance companies, which will help to realize the sustainable development of microfinance companies in our province and even in the whole country. It is of great benefit and practical significance to give full play to the role of private lending capital in the financial market. This paper takes this as the starting point and the full text is divided into five chapters:. The first chapter introduces the research background and significance, domestic and foreign research results and research ideas and methods. The second chapter introduces the classification and judgment basis of the sustainable development of microfinance companies, which lays a theoretical foundation for the analysis of the sustainable development of Y microfinance companies. The third chapter takes Y microfinance company as an example, on the basis of obtaining a large number of firsthand data through the field investigation, combined with the related literature, analyzes the current situation of Y microfinance company's operation and development. And combined with the previous theoretical part of the Y microfinance company to evaluate the sustainable development of the situation. Chapter 4th analyzes the main obstacles to the sustainable development of Y microfinance company and the causes of this phenomenon. Chapter 5th puts forward countermeasures and suggestions for the sustainable development of Y microfinance company.
【學(xué)位授予單位】：安徽財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4

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