新形势下小额贷款公司发展方向研究

Research on the Development Direction of Small Loan Companies under the New Situation

为健全现代金融体系,引导金融支持实体经济发展,有效解决中小企业融资难的瓶径问题,自上世纪八、九十年代开始,我国不断加快金融体系改革步伐,同时在金融领域着力培育新型信贷组织,于是在本世纪初,具有金融行为、从事小额信贷业务的小额贷款公司应运而生。在部分省(区)经历了三年的民间小额贷款公司试点后,2008年5月,中国人民银行和中国银监会联合发布了《关于小额贷款公司试点的指导意见》(以下简称《指导意见》),自此,小额贷款公司进入了高速发展期。在经济下行的大环境下,经过近十年的探索和发展,小额贷款公司已走入了生存瓶径。本文以吉林省及双阳区为例,针对当前小额贷款公司发展现状、运行中存在的难点等问题进行具体分析,对小额贷款公司发展方向进行探讨,并提出科学有效的对策建议。

In order to improve the modem financial system, guide financial support for the development of real economy and effectively solve the bottleneck problem of financing difficulties for small and medium-sized enterprises, since the eighties and nineties of the last century, China has been accelerating the pace of financial system reform, and at the same time in the field of finance to cultivate new credit organizations, so at the beginning of this century, with Microfinance companies with financial behavior and microfinance business emerge as the times require. In May 2008, the People＇s Bank of China and the China Banking Regulatory Commission jointly issued the Guiding Opinions on the Pilot Project of Small Loan Companies （hereinafter referred to as the Guiding Opinions） after three years of private small loan companies in some provinces （autonomous regions）. Since then, small loan companies have entered a period of rapid development. In the economic downturn environment, after nearly a decade of exploration and development, micro finance companies have entered the bottleneck of survival. Taking Jilin Province and Shuangyang District as examples, this paper analyzes the current situation of the development of micro-loan companies, difficulties in operation and other issues, discusses the development direction of micro-loan companies, and puts forward scientific and effective and suggestions.