贵州省小额贷款公司发展现状与对策研究

Small loan company in Guizhou Province Development and Strategy

小额贷款公司自全国试点以来,在各省得到了迅速发展。贵州省作为最初试点省份之一,其发展速度超过全国平均水平,然而随着小额贷款公司的迅速增加,由此带来了成本偏高、资金来源困难、缺乏征信数据、监管不统一、转制困难、与改革设计目标脱节等问题。目前的小额贷款公司正处于进退维谷的攻坚阶段,通过对贵州省部分县市的小额贷款公司进行实地调查,以寻找小额贷款公司的一条可持续发展道路。

Small loan company pilot since the country has been rapid development in the provinces. As the first one of pilot province , the speed of Guizhou Province＇ s development faster than the national average, but with the rapid increase in small loan companies, which bring about high costs,sources of funding difficulties, lack of credit data, monitoring is notuniform, conversion difli- culties, out of touch with the design goalsofreform and other issues, At present the small loan eompanies are caught in the erucial stage, the author tries to cities and counties in Guizhou Province of small loan companies to conduct field surveys, small loan companies to find a sustainable development path, and for ＂only loans do not exist ＂The issues focused on analysis and evaluation.