小额贷款公司发展中面临的问题——基于与民间借贷的比较分析

The Analysis on the Problem of the Development of Small Loan Company——Based on the Comparison with Private Lending

2008年金融危机后,小额贷款公司在全国各地大量涌现,形成了对银行业金融机构的有效补充,为各地的中小企业发展、三农服务提供了重要的支持。但是许多小额贷款公司自身生存环境却令人担忧,普遍面临着所受管制较多,税负过重等问题,而与之相比民间借贷受到的约束却很少,税负也较轻,所以这样的环境下明显不利于小额贷款公司发展壮大。本文力图通过对比分析,找出困扰小额贷款公司发展的原因,并提出些有价值的建议。

After the 2008 financial crisis,a large number small loan companies emerged across our country,forming an effective complement to the banking financial institutions,providing the necessary support for the development of local SMEs,rural services,but many small loan company＇s own survival environment has not be concerned.They generally faced the problem of more suffered constraints,heavy tax burden and other issues compared to private lending.Such environment is not conducive to the small loan companies＇ development and the private lending＇ sunshine and normalization,this comparative analysis tries to find the reason of hindering the development of small loan companies,and provides some valuable suggestions.