小额贷款公司发展问题与对策研究-实证分析.docxVIP

PAGE PAGE 19 小额贷款公司发展问题与对策研究 摘 要 随着我国经济的发展，传统的计划经济逐步走向市场经济。?在市场经济条件下，小额贷款公司逐渐找到了自己的一席之地。几年的发展时间，小额贷款已经成为中国城市和农村，个人和企业的主要融资手段之一。小额贷款公司大幅度缓解了个人和企业融资难问题，给各省，市金融体系建设带来了新的活力。由于在经济发展中的作用更加明显，成为不容忽视的新锐军，小额贷款公司在发展过程中也面临许多困难，因此对其现状，问题和对策进行了研究。 本文根据中央、银监会公开的数据进行的分析，总结了我国小额贷款公司如今的发展现状和发展情况，找出现如今我国小额贷款公司发展中存在的问题。小额贷款公司法律地位的不明确导致小额贷款公司无法进行正常融资。公司从业人员也关系着一个公司的生存。监管主体的不明确，贷后监控的疏忽，监管利率与实际利率不一致，互联网金融风险这些都限制着小额贷款公司的发展。最后本文会在问题的基础上提出相应的建议，从而实现小额贷款公司的可持续发展。 关键词：小额贷款公司；发展问题；对策；经济发展； Research on development problems and countermeasures of small loan companies Abstract With?the?development?of?Chinas?economy,?the?traditional?planned?economy?is?gradually?moving?towards?the?market?economy.?In?the?market?economy?conditions,?microfinance?companies?gradually?found?their?own?place.?During?the?development?of?several?years,?microfinance?has?become?one?of?the?main?means?of?financing?Chinese?cities?and?rural?areas,?individuals?and?enterprises.?Small?loan?companies?have?greatly?alleviated?the?problem?of?individual?and?enterprise?financing?difficulties,?and?brought?new?vitality?to?the?construction?of?financial?system?in?various?provinces?and?cities.?Because?the?role?in?economic?development?is?more?obvious,?become?a?new?sharp?army?that?can?not?be?ignored,?microfinance?companies?also?face?many?difficulties?in?the?process?of?development,?so?the?current?situation,?problems?and?countermeasures?are?studied. Based?on?the?analysis?of?the?data?released?by?the?Central?Committee?and?the?CBRC,?this?paper?summarizes?the?current?situation?and?development?of?Chinas?microfinance?companies,?and?finds?out?the?existing?problems?in?the?development?of?Chinas?microfinance?companies.?The?legal?status?of?small?loan?companies?is?not?clear,?which?makes?small?loan?companies?unable?to?carry?out?normal?financing.?Company?employees?are?also?related?to?the?survival?of?a?company.?The?lack?of?clear?supervision?subjects,?the?negligence?of?post?loan?monitoring,?the?inconsistency?between?the?supervision?interest?rate?and?the?a