延安市宝塔区小额贷款公司的现状分析毕业设计_计算机程序设计_计算机设计辅导_计算机设计代做_java_安卓_小程序_springboot_ssm计算机程序设计资料网

延安市宝塔区小额贷款公司现状分析

摘要：三农问题一直是我国政府致力解决的问题,持续提高农民收入则是解决该问题的关键,广大农村地区缺少有效的金融机构为其提供金融服务,这严重制约着农民收入的提高。同时随着中国经济的发展,中小企业融资难的问题日益凸显,拓宽中小企业融资途径就成为当务之急。小额贷款公司应运而生,为解决以上两个难题提供了可能性。

延安市宝塔区小额贷款公司的工作取得了显著成效,发展呈现出良好势头,在数量、贷款佘额、注册资本金方面都保持在全国的较高水平。但是也伴随着一些问题,有些问题是由于先天的政策制定造成的,有些是在后天运行中产生的,例如外源融资不足、利率制定不合理、公司治理机制落后等,这都将制约其进一步发展。

本文将从宏观和微观两方面分析小额贷款公司的发展现状,并从监管部门、公司管理者、从业人员等方面研究延安市宝塔区的小额贷款公司现阶段存在的问题及面临的威胁,并针对问题提出合理的对策。例如拓宽融资渠道、完善利率定价机制、提高从业人员素质、加强内控建设等。

关键词：小额贷款；现状分析；对策建议

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Abstract: Agriculture, rural areas and farmers has been the Chinese government is committed to solve the problems, and continuously improve the farmers’ income is the key to solve the problem, the vast rural areas are lack of effective financial institutions providing financial services, which seriously restricts the improvement of farmers’ income. At the same time, with the development of China’s economy, small and medium-sized enterprise financing difficulties of the growing problem of, broaden the small and medium-sized enterprise financing channels will become the urgent matter. Small loan company arises at the historic moment, provides a possibility to solve above two problems.

Yan ‘an baota district of small loan companies work has made remarkable achievements, showing a good momentum of development in terms of quantity, registered capital of the loan balance, updte remained in the higher level of the whole country. But also accompanied by some problems, some problems are caused by congenital policy, some of them are produced in the operation of the day after tomorrow, such as lack of exogenous financing, interest rate formulation is not reasonable, the company governance mechanism lag behind, etc., this will restrict its further development.

This article from two aspects of macroscopic and microscopic analysis of the development of small loan companies, and from regulators, company managers and employees to research the problems of small loan companies at this stage of Inner Mongolia and the threat, and put forward reasonable countermeasures in view of the problem. For example, broaden the financing channels, improve the interest rate pricing mechanism, improve staff quality, strengthening the construction of internal control, etc.

Key words:Microfinance; Situation Analysis; Suggestions

1绪论……………………………………………………………… 5

1.1研究背景与意义……………………………………………….. 5

1.1.1研究背景……………………………………………….. 5

1.1.2研究意义……………………………………………….. 5

1.2国内外研究现状……………………………………………….. 6

1.2.1国外研究现状……………………………………………. 6

1.2.2国内研究现状……………………………………………. 6

2小额贷款的相关理论…………………………………………………. 8

2.1小额贷款定义…………………………………………………. 8

2.2小额信贷发展的理论……………………………………………. 8

2.3小额信贷机构的分类……………………………………………. 8