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小额贷款公司的制度缺陷分析与对策建议——基于温州部分小额贷款公司的调查 被引量:1

Analysis of System Imperfection of Small Loan Companies:Study on Wenzhou Based Small Loan Companies
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摘要 小额贷款公司在服务于中小企业及促进农村经济增长方面,起到了重要的作用。但由于身份界定、税收及其他制度方面的缺陷,导致小额贷款公司缺乏可持续发展的动力。通过理论分析及温州部分小额贷款公司实地调研,对小额贷款公司的优势及存在的缺陷进行分析与实证,并提出相应的对策建议:明确小额贷款公司的身份及地位,给予相应的同业待遇;有条件地废除"只贷不存"的规定,推进利率市场化,降低民间资金存款的风险;对小额贷款公司进行倾斜和优惠。 Non-governmental higher education structure is the connection method and ratio relationship between the various com- ponents in the system. It is a multi-dimensional, muhi-level complex integrated structure, and is an expression of the macro- structure of non-governmental higher education. Whether the structure of the non-governmental higher education is reasonable or not directly relates to the role of education resource utilization rate and the education function. In this paper, the structure of non- governmental higher education in Henan is used as a case study, and it pays attention to the distribution state of non-governmental institutions of higher learning in Henan Province in different regions, levels, and subjects, and their existing problems. Based on the principle of overall development and different focuses, it proposes the exploratory strategic vision to fully optimize the non- governmental higher education in Henan from the layout structure, hierarchy and discipline structure and other aspects of the structure.
作者 黄玉英
出处 《浙江树人大学学报》 2013年第5期37-41,共5页 Journal of Zhejiang Shuren University
基金 2012年浙江省哲学社会科学发展规划办资助项目(12JCGL18YB)
关键词 民营经济 小额贷款公司 中小企业 non-governmental higher education non-governmental institutions of higher learning structure optimization Henan
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