小额贷款公司现状及发展趋势探析:浙江实证

On the Current Situation and Developing Tendency of Micro-credit Companies in Zhejiang

作为全国最早进行小额贷款公司试点的省份,浙江省小额贷款公司目前已初具发展规模,其对全省县域经济的金融补充作用亦日趋突显。基于中国人民银行及浙江省小额贷款公司协会的统计数据,从注册数量、盈利状况、经营规模、信贷结构和运营风险水平等角度对浙江省小额贷款公司近年来的发展状况进行深入探析。在此基础上,还基于近年来中央及地方政府对浙江省小额贷款公司相关政策推出及落实情况的分析,对浙江省小额贷款公司的未来发展路径作初步探究。

As a pioneer in the micro-credit company pilot scheme, micro-credit companies in Zhejiang Province have taken consid- erable development, and their complementary financial role on the county economy becomes increasingly visible. Based on the sta- tistics from the People＇s Bank of China and Zhejiang Association of Micro-credit Companies, a comprehensive, in-depth analysis on the development of micro-credit companies in Zhejiang in recent years is conducted considering the registration number, profitabili- ty, scale of operation, the credit structure, and operational risk levels. Furthermore, the relevant policies issued by both the central and local governments are analyzed and the future development path of micro-credlt companies in Zhejiang is forecasted.