深圳地区小额贷款公司展业中的问题及政策建议

Issues in the Business Expansion of Minor Loan Companies in Shenzhen and Legal Advice

由于切合市场经济的需求,我国小额贷款公司在深圳等地经试点后迅速发展,并在服务我国实体经济中发挥着重要的作用。其主要由地方本土企业发起设立,以“自有资金、自主运营、自担风险、自负盈亏”为运营特征,逐渐发展为商业性贷款,成为普惠金融的重要形式。本文拟以深圳特区小额贷款公司的试点情况、展业现状为标本,结合全国小额贷款行业发展中存在的典型问题、发展路径提出政策建议和政策选择,希冀能为行业的健康发展提供借鉴。

Minor loan is a part of local financial industry,due to its adaptation to market economy's de-mand,it has been growing fast and providing important contribution to real economy.Minor loan is mainly founded by local companies,It is characterized by"self-owned capital,independent operation,self-risk and self-responsibility for profits and losses"and has been developed into commercial loan and an important part of inclusive financial based on the development situation of domestic minor loan companies,this paper proposes policy suggestions on the current situation,existing issues and development path of minor loan com-panies in Shenzhen,Chongqing and other places,hoping to benefit the development and healthy growth of minor loancompaniesin China.