小额贷款公司资金池构建模式研究

The Study of funds Pool Construction Mode of a Small Loan Company

资金池作为拓宽小额贷款公司融资渠道的手段,可以有效地提高资金的使用效率,降低资金使用成本,使有限的资本金得以充分利用,并获得最大的整体效益。随着小额贷款公司的发展,资金池的构建及其模式选择逐渐成为人们探讨的焦点问题。本文运用资金池构建理论,结合小额贷款公司目前所处的发展阶段,阐述可以运用到的小额贷款公司资金池模式,分析每种模式的功能与弊端,提出较为切实可行的政策建议。

Funds pool,as a method of broadening the financing channel of small loan companies,can effectively improve the capital utilizing efficiency,decrease capital using cost,make the full use of limited capital and get the maximum efficiency.This article uses funds pool construction theories,combines with the development stage of small loan companies and expatiates the modes that can be applied to the industry of small loan company,analyses the function and disadvantage of each mode,and then puts forward some practical policy suggestions.