内蒙古小额贷款公司发展现状及对策研究

发布时间：2018-07-10 03:32

本文选题：小额贷款 + 小额贷款公司　；参考：《内蒙古大学》2014年硕士论文

【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。内蒙古小额贷款公司试点工作取得了显著成效,发展呈现出良好势头,在数量、贷款余额、注册资本金方面都保持在全国的领先水平。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内蒙古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。笔者认为,现阶段内蒙古的小额贷款公司还有很大的发展空间,尤其是在国家大力扶持小微企业和贯彻三农三牧的政策背景下,只要制定合理的发展方案,并付诸实践,相信小额贷款公司将迎来下一个春天。
[Abstract]:The problem of "agriculture, countryside and farmers" has always been the problem that our government has been trying to solve, and the key to solve this problem is to continuously raise the farmers' income. The lack of effective financial institutions in the vast rural areas to provide financial services for them has seriously restricted the increase of farmers' income. At the same time, with the development of China's economy, the problem of financing difficulties for SMEs is becoming increasingly prominent, so it is urgent to broaden the financing channels of SMEs. The small loan company arises at the historic moment, has provided the possibility for solving the above two difficult problems. The pilot work of Inner Mongolia Microloan Company has achieved remarkable results, and the development has shown a good momentum. In terms of quantity, loan balance and registered capital, it has maintained the leading level in the whole country. However, there are also some problems, some of which are caused by innate policy making, others are caused by the operation of the day after tomorrow, such as insufficient external financing, unreasonable interest rate setting, backward corporate governance mechanism, and so on. This will restrict its further development. In this paper, we will analyze the present situation of microfinance companies from both macro and micro aspects, and study the problems and threats faced by small loan companies in Inner Mongolia at the present stage from the aspects of regulatory authorities, company managers, employees, etc. And put forward the reasonable countermeasure in view of the problem. For example, widening financing channels, perfecting interest rate pricing mechanism, improving the quality of employees, strengthening the construction of internal control and so on. The author believes that there is still a lot of room for development of the small loan companies in Inner Mongolia at the present stage, especially in the context of the state's vigorous support for small enterprises and the implementation of the policy of "three agriculture, rural areas and three pastoralism", so long as a reasonable development plan is formulated and put into practice. I believe that microfinance companies will usher in the next spring.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.39

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