我国小额贷款公司资金运营研究

自2008年小额贷款公司在我国试点以来，小额贷款公司发展迅猛，这不仅有利于“三农”问题的解决，刺激农业发展，也有利于中小企业及居民个体的融资活动。由于尚处于试点阶段，小贷公司很多方面发展都不成熟，尤其是资金运营这一方面，主要体现在资金来源、盈利能力、贷款结构、内部控制以及风险控制等。本文尝试从这五个方面寻求小额贷款公司资金运营的突破，以期对小额贷款公司整体的可持续发展有所帮助。

Since the pilot of small loan company was launched in China in 2008, small loan companies have been rapidly developed. The establishment of small loan company is not only conducive to solve the ＂three rural＂ issues and stimulate agricultural development, but also conducive to SMEs and individual residents in financing activities. Because the small loan company is still in the pilot phase, it is not mature in many ways, especially in the dimension of financial operation, mainly in funding source, profitability, loan structure, internal control and risk control. This paper attempts to seek a breakthrough from these five aspects, to be helpful for overall sustainable development of small loan companies.