江苏省农村小额贷款公司存在的问题及对策

The Problems Existing in Rural Microfinance Companies in Jiangsu Province and Their Corresponding Countermeasures

农村小额贷款公司服务对象是"三农"和小微企业,2007年江苏省率先开始小额贷款公司试点工作,其运转过程中存在法律地位不够明确、融资渠道不够通畅、从业人员不够专业、风险控制难度较大等问题,为进一步规范农村小额贷款公司经营,必须出台法律法规,明确法律地位;理顺融资渠道,增加资金供给;完善政策措施,加大扶持力度;加强风险控制,建立监管体系。

Issues concerning agriculture,countryside and farmers and small and micro businesses are the service targets of rural microfinance company. In 2007,Jiangsu province took the lead to start pilot work of microfinance company. However,in its operation process,there exist some problems such as unclear legal status, narrow financing channels,unprofessional practitioners and difficult risk control. To further standardize the operation of rural microfinance companies,it is urgent to pass the related laws and regulations in order to ensure their status from the legal point,straighten out the financing channels in order to increase the capital supply, perfect the policies and measures in order to intensify the support strength and strengthen risk control to establish supervision system.