小额贷款公司资金来源的方式、运作风险及其对策

On Funding Sources and Running Risk of Small-credit Company and Its Countermeasures

我国小额贷款公司试点以来,逐渐成为中小企业、"三农"及个体工商户金融服务的重要支持,并形成了典型小额贷款公司资金来源模式,但国内外小额贷款公司资金运作中存在着只贷不存引致的资金瓶颈问题。根据国内外的资金运作经验,提出了通过激活民间资本增加内源性资金、引导小额贷款公司向民营金融机构转化并吸收借贷者存款等对策。

Since pilot small-credit companies have been launched in China , they have become important support for providing financial services to those small and medium-sized enterprises , agriculture, farmers and rural areas, as well as the individually-owned business. Moreover, a typical mode of raising funds for small-credit companies has been gradually formed. However , capital operations of small-credit companies in China have incurred risks of financial bottlenecks resulting from crediting only. Based on both domestic and international capital operation experiences , this paper proposed solutions and recommendations, including increasing endogenous funds by activating private capital, guiding small-credit companies to convert to private financial institutions and absorbing borrowers ’ deposits, etc.