我国小额贷款公司发展偏差及对策研究

On Developmental Deviation and Countermeasure of Microfinance Corporation in China

随着农村金融体制改革的不断推进,小额贷款公司在发展过程出现了偏差,目标偏移问题比较普遍。设立机构的动机存在误差、制度设计存在缺陷、缺乏全国统一的评价体系、金融监管框架不一、内控机制不够健全等因素造成了其在发展过程中存在布局不合理、支农目标偏移、过于商业化以及违规经营频繁等发展偏差。因此,要从明确法律地位,合理规划布局,加大财税政策扶持,加强内控制度建设,完善监管体系等方面促进小额贷款公司健康发展。

With the continuous progress of the rural financial system reform,there is a difference in the development process in microfinance corporation,and the target offset problem is rather common.By analyzing the basic situation from the regional distribution,the registered capital,the paid-in capital and loans,we can draw the conclusion that microfinance corporation can improve the level of financial services in rural areas.However,some factors such as error in the motivation for the establishment of institutions,system design flaws,lack of a unified national evaluation system,financial regulatory framework varies,inadequate internal control mechanism have contributed to the development of deviation in the process of development of microfinance corporation.And the development of deviation includes irrational,agriculture target offset,too commercial and frequent irregular operations.Therefore,we should clear legal status,layout reasonably,increase fiscal policy support,strengthen internal control system,and improve the regulatory system,so as to promote the healthy development of microfinance corporation.