宏观视角下的小额贷款公司发展风险探析

A Preliminary Analysis of Microcredit Firms Developing Risk in Macro Perspective

近年来,小额贷款公司的快速发展引起了理论与实务界对其风险问题的关注。本文选择宏观视角分析影响小额贷款公司长远发展的风险因素,研究表明,金融结构与产业结构转型时的冲击、分权体制下监管的滞后、服务目标的漂移、经济长短周期的交叉影响已成为影响小额贷款公司发展的重要的风险因素,需引起有关各界的重视,并采取相应的对策。

In recent years, the rapid development of microcredit firms has attracted attention trom both theoretical and practical circle to its risk issues. This paper analyzes the risk factors which affect microcredit firms＇ long-term development from a macro perspective. The result shows that： the impact caused by financial structure and industrial structure transformation, the supervision lag at the decentralized system, the drift of service target and the cross-impact of the long and short economic cycles have become the important risk factors affecting the development of microcredit firms. Therefore, it requires to draw the attention of all sectors concerned, and to take appropriate countermeasures.