小额贷款公司发展绩效与运行机制创新——基于河南省信阳市的调查与思考

Development Performance and Operating Mechanism Innovation of the Small Loan Companies——Based on the investigation and Thinking of Xinyang City

大力发展小额贷款公司对传统农区信阳市破解农村融资难题具有重要意义。近年来,信阳市小额贷款公司发展迅速,绩效显著。为进一步推动小额贷款公司发展,需要通过提高小额信贷的交易频率、建立农户的自动履约机制、建立健全个人信用征信制度、加强小额信贷监管等措施来完善小额信贷的运行机制。

Vigorously develop small loan companies is important to get rid of rural finance problem in the traditional agricultural areas of Xinyang City in recent years, and the small loan companies in Xinyang City developed rapidly. To promote its further development, the frequency of transactions should be improved, automatic compliance should be established, private credit system should be established, and financial regulation should be strengthened to improve the operation mechanism.