小额贷款公司存在的问题及建议——对郎溪银达小额贷款公司试点进展情况的调查

Problems and Suggestions of Small Loan Company:The survey of Langxi Yinda Small Loans Company Pilot Progress

本文通过对郎溪银达小额贷款公司试点进展情况的调查,以银达小额贷款公司业务开展情况,分析了小额贷款公司存在的人员素质和贷款技术、资本实力和风险集中、小额贷款经营和监管等方面的问题,并提出了一些相应的解决方法,希望对小额贷款公司存在的问题提供一些建议。

Based on the survey of Langxi Yinda Small Loans Company pilot progress, this paper analyzes the problems existing in the aspects of the quality of officers, loan technology, capital strength and risk concentration, small loan operations and regulatory of small loan companies, and proposes some solutions, in hope of providing some suggestions to the existence problems of small loan companies.