摘要
"三农"经济发展和民营中小企业融资问题备受社会各界关注。作为民间金融的小额贷款公司的出现给我国农村经济和中小企业融资带来新的力量。但因小额贷款公司"只贷不存"的政策及自身原因,给小额贷款公司的可持续性发展带来困扰。文章总结了小额贷款的国际起源和小额贷款的主要模式,分析了小额贷款公司存在的意义、阻碍其可持续发展的因素及其对策,同时,认为应运用适当的企业文化及激励机制来促进小额贷款公司的发展。
All groups of the society pay attention to the issues of agriculture,farmer and rural area and the financing problem of the small and medium-sized enterprises.The micro credit company which is belongs to the private finance brings power for the rural economy,but financing is a big problem of the small and medium-sized enterprises.Because of the policy ＂no deposit but loan only＂ and its own reasons,it brings troubles in the sustainable development of micro credit companies.This paper summarizes the international origin of micro credit companies and its main modes,analyzes their existing significance and the hindering factors of sustainable development.Corresponding strategies are put forward,and the suitable corporate culture and the incentive mechanism should be adopted.
出处
《改革与战略》
北大核心
2011年第2期82-84,共3页
Reformation & Strategy
关键词
小额贷款公司
可持续发展
企业文化
激励机制
micro credit companies
the strategies for sustainable development
corporate culture
incentive mechanism
