我国小额贷款公司的作用、评价与发展策略研究

Chinese Small Scale Loan Company Evaluation and Development Strategy Research

小额贷款公司推动了金融组织体系的创新,满足了部分民间资本的合理诉求,遏制了民间非法借贷的蔓延,也为社会提供了专业信用信息服务。但是小额贷款公司在目前的发展中面临着性质定位、监管体制、资金来源、经营风险和技术支撑等方面的约束,影响其可持续发展。政府要促进其更加规范化发展,制定相应的法律法规,采取健全制度、改善发展环境以及创新经营模式等一系列措施加以解决。

Small loan companies facilitate the innovation of financial organization system, satisfy the demands of public savings, curb the spreading of illegal lending and borrowing, and provide the public with professional fi- development of small loan companies is challenged. The government is supposed to implement a series of measures, including more standardized development of this trade, relevant regulations to build up a robust system, improving trade development environment, innovating management approaches.