小额贷款公司的风险分析及制度设计

Research Risk Control and System Design on the Small-loan Company's Risk

小额贷款公司作为民间资本经营运作的大胆尝试,近两年蓬勃发展,在全国各地呈燎原之势。不可否认,在支持地方经济发展、填补正规金融服务缝隙等方面发挥了一定的作用,但与此同时,这一过程中不断积累和集聚了一定风险。文章首先指出了风险的表现形式,然后对存在的问题进行了深入分析,最后给出了政策建议。

As the bold attempt on the folk capital management operation, the small-loan companies had been developing well like a single spark starting a prairie fire all over the country, in the nearly two years. There is no denying the fact that the small-loan companies play a big role on complementing the formal finance, but meanwhile, some risk is accumulating and gathering in this process. Firstly, this paper points out the risk manifestation, then go on further analysis on the existing problems, at last, put forward the suggestions.