小额贷款公司吸引民间资本后的金融效应——以宁波市为例

Financial Effects after Small-loan Company abstracting Private Capital ——A Case Study of Ningbo City

小额贷款公司是独立的、商业化的机构,对民间资本阳光运作和改善农村金融服务等方面进行了很好的尝试,其缓解了农户、小微型企业融资难问题。小额贷款机构引进民间资本,一定程度上保证了小额贷款机构的资金来源。但相对于丰富的民间资本,民间资本金融化率很低。文章认为小额信贷公司吸引民间资本后具有积极地金融效应,提出了相应的观点,如小额信贷公司实现了全球经济衰退背景下产业升级的金融支持、推进了农村金融市场的利率市场化进程和成为区域金融体系的重要补充等。

As independent and commercialized organizations,small-loan companies in China have excellent attempts on fields like legal operation of private capital and improvement of finance services,successfully relieving difficulties in financing for peasant household and microenterprises.Capital source of micro-finance institution is to some extent ensuring after effects after small-loan company abstracting private capital.Related to the abundance of private capital,financial ratios of private capital is very low.Financial effects after small-loan company abstracting private capital are positive.Its countermeasures are advanced correspondingly.Small-loan company achieves financial support for the industrial upgrade in the context of the global economic recession,and pushes on the process of interest rate of market forces on rural financial market and becomes important complement to the regional financial system,etc.