摘要
小额贷款公司作为一种融资手段创新,对改善当前的金融环境有着不可替代的作用。通过小额贷款公司的融资服务,不仅能够弥补农村金融的薄弱,弥补大型商业银行对中小企业信贷支持力度的不足,同时为国内充沛的民间资本进入正规金融领域打开了一扇大门。但作为一个新生事物,小额贷款公司还处于探索阶段,法律法规、市场机制等方面还不健全,小额贷款公司运作过程中诸多的运作风险,成为困扰小额贷款公司进一步发展的瓶颈。
As a means of innovation of financing, the mico-loan companies play an irreplaceable role in improvement of current financial environment. By means of mico-loan company financial service, not only could compensate the rural finance and improve the large commercial bank support to SMEs, but also open a door for the abundant private capital entering into formal financial sector. But as a fresh, the mico-loan companies have a long way to go. Incomplete of laws and regulations, risks in operation, are all bottlenecks of further development for mico-loan companies.
出处
《经济研究导刊》
2010年第16期81-82,共2页
Economic Research Guide
关键词
小额贷款公司
运作机制
风险
micro-loan companies
operating mechanism
risk
