小额贷款公司的现状与发展方向探析——以山东省为例论文

摘要

2005年在政府相关政策的鼓励和扶持下，小额贷款公司正式在国内开展试点，随后在全国范围内迅速普及和发展，截止到2010年小额贷款公司基本实现全国覆盖且得到了一致的良好反响。然而从2016年开始，受经济形势等方面因素的影响，我们注意到小额贷款公司在机构数量，贷款余额等方面出现了不同程度的下降,这充分证明当前国内小额贷款公司在发展过程中出现了诸多问题。在此背景下，本文将以山东省小额贷款公司为例，在对有关小额贷款公司中外文献研究的基础上，梳理总结小额贷款公司的发展现状，探讨归纳小额贷款公司的风险防范机制。然后，分析当前最受关注的小额贷款公司发展面临的主要问题，在总结当前小额贷款公司面临困境的基础上优化风险规避体系，并提出合理化建议。

关键字：小额贷款公司，监管制度，山东省

Abstract

In 2005, with the encouragement and support of relevant government policies, microfinance companies officially launched pilot projects in China. With the rapid popularization and development throughout the country, as of 2010, micro-credit has basically achieved nationwide coverage and received a consistent good response. However, since 2016, due to the impact of the economic situation and other aspects, we have noticed that micro-loan companies have declined to varying degrees in terms of the number of institutions and loan balances. This fully proves that the current domestic micro-loan companies have emerged during the development process. Many problems. This article analyzes and summarizes the problems and bottlenecks encountered during the development of microfinance companies at this stage through the understanding and investigation of current domestic microfinance companies and the actual situation of microfinance companies in Shandong Province. The company further explored the problem of risk avoidance, put forward reasonable suggestions on the basis of summarizing the current difficulties faced by microfinance companies, optimize the risk avoidance system, and finally put forward corresponding countermeasures and suggestions.

Key words:Microfinance companies，Regulatory system，Shandong province

目录

1.绪论 (1)

1.1研究背景及意义 (1)

1.2研究内容 (1)

2.小额贷款公司概述 (2)

2.1小额贷款公司的涵义 (2)

2.1.1小额贷款公司的定义 (2)

2.1.2小额贷款公司的特点 (2)

2.1.3小额贷款公司的作用 (2)

2.2小额贷款公司的经营模式 (3)

2.2.1目标对象 (3)

2.2.2产品设计 (4)

2.2.3运作流程 (4)

3.小额贷款公司在我省的发展现状 (6)

3.1发展概述 (6)

3.2经营现状 (6)

3.2.1机构、人员数量递减 (7)

3.2.2贷款余额、实收资本回落 (7)

3.2.3收入、利润不降反增 (8)

3.3政策扶持及监管情况 (9)

3.3.1政府加强扶持力度 (9)

3.3.2金融监控收紧 (9)

3.3.3自律组织成立 (9)

4.小额贷款公司发展中存在的问题 (10)

4.1融资难 (10)

4.1.1 融资对象范围较小 (10)

4.1.2外源性融资规模受限 (10)

4.1.3融资定价标准较高 (10)

4.2盈利水平低 (11)

4.2.1业务单一无创新 (11)

4.2.2税率上限受约束 (11)

4.2.3运营成本高 (11)

4.3信用风险大 (11)

4.3.1贷款质重风险高 (11)

4.3.2信用体系不够完善 (12)

4.4外部环境制约 (12)

4.4.1行业立法缺失 (12)

4.4.2税收负担重 (12)

4.4.3监管制度不完善 (12)

4.4.4社会公众不认可 (13)

5.完善和优化小额贷款公司发展的对策建议 (14)