小额贷款公司的经营状态——基于宁波市小额贷款公司的调查

The Operating Status Quo of Small Loan Companies——Based on the Survey of the Small Loan Companies in Ningbo City

本文在对宁波市试点的小额贷款公司逐个调研的基础上,以问卷、与总经理对话、小型会议等方式,研究了小额贷款公司的资金来源、内部业务及其相关问题。研究发现,小额贷款公司将民间资本引导至合法的渠道,业务运营状况良好,解决了农户、微型企业融资难问题。但小额贷款公司存在明显的资金瓶颈问题,贷款资金来源非常有限,主要源于自有资金。因此,本文提出以下建议:小额贷款公司要提高融资比例,增加后续资金;建立信用评价体系,加强风险管理;重视"三农"和中小企业服务的贷款投向,并最终转制成纯金融类机构,这样才能可持续发展。

Based on a survey, which includs questionnaires, dialogues with general managers and small meetings, of the pilot small loan companies in Ningbo city, this paper analyses the funding source, the internal business and the related issues of small loan companies. The results show that small loan companies lead private capital to legal channels. The business operations of small loan companies are in good conditions and have solved farmers＇ and micro-enterprises＇ financing difficulties. Neverthless, the small loan companies have obviously encountered financial bottlenecks. Their funding sources are very limited and the main sources are their own funds, so they develop slowly. The paper proposes that small loan companies should raise their funding ratio, increase follow-up funds, establish credit rating systems, improve risk managements, pay attention to the loans of the ＂three rural＂ and the SME loans and ultimately, turn themselves into pure financial institutions, so as to achieve sustainable development.