小额贷款公司制度绩效及创新路径——基于对山东省三次跟踪调查的比较

The System Utility and Innovation Path of Micro-credit Company System: According to the contrast of three investigations in Shandong Province

本文通过对山东省小额贷款公司试点制度文件的梳理和三次问卷调查的对比分析发现,规模扩张是当前政策引导及小额贷款公司发展的主流,但随着规模扩张趋于平稳,转型发展势在必行。支撑转型发展的产品和服务创新不足是小额贷款公司的重要短板,需要不断优化政策环境为其提供支持。应该尽快明确小额贷款公司身份定位,出台全国层面的指导性意见,放宽小额贷款公司管制,通过引导其加快产品和服务创新实现转型。

Through the documents about micro-credit companies' pilot project in Shandong Province and the contrastive analysis of three questionnaire surveys,it is concluded that the expansion in scale is a main stream of the development of microcredit companies. As the expansion in scale slows down,the transformation is imperative. The innovation of products is a key short board and continued optimization of policy is needed. The position should be defined,policy standards facing the whole nation should be published and the control of micro-credit companies should be loosened,and finally the transformation will be achieved by fastening the innovation of products.