Study on Small and Medium-Sized Financial Institution: Empirical Analysis Based on the Development of Small Loan Company 中小金融机构研究:基于小额贷款公司发展的实践分析
Abstract: Small Loan Company as a new force of China's rural financial system alleviates the financial stress of small business and funding bottlenecks of rural economic development effectively. 摘要:小额贷款公司作为我国农村金融体系新生力量,有效缓解了小型企业资金紧张和农村经济发展中资金瓶颈问题。
Small Loan Company& An Analysis on the New Path to Mini-Credit Supply in the Rural Areas 小额贷款公司&农村微型信贷供给新路径分析
It has become more and more difficult for small firms to get loan in recent years, and it has been affecting the development of the small company and the employment of residents. 近年来小企业贷款难越来越严重,已影响到小企业的发展和城乡居民的就业。
Has been proved that there is a small loan company has created opportunities for the legalization of private capital; to spread risk financial products, opening up new channels. 已有的实践证明,小额贷款公司的出现为民间资本合法化创造了机会;为金融产品分散风险开拓了新渠道。
The value conflict in the development of small loan company is the conflict between efficiency and safety in the process of system design and execution. 小额贷款公司制度中的价值冲突主要表现为制度设计中和制度执行中效率与安全的价值冲突。
The small loan company is currently an important way to the legalization of the folk finance, which makes the research on the supervision system of the small loan company has great practical significance. 小额贷款公司是民间金融合法化的重要途径,寻求它适度的监管制度极具现实意义。
The status and function of government supervision, promoting small loan company product development has not been the majority of the attention of the company. 由于行业现状和政府职能监管要求,推进小额贷款公司产品开发目前还没有得到多数公司的重视。
Second, the proportion of credit loans and small loan company efficiency was significantly correlated with the proportion of non-credit was a significant negative correlation. 第二、信用贷款占比与小额贷款公司效率呈显著正相关与非信用贷款占比呈显著负相关。
The small loan company meets the interests of multi aspects, but as a new organization, the small loan company has met many legal difficulties in reality. 尽管发展小额贷款公司符合多方利益,但作为新型的机构小额贷款公司在现实中面临着多重法律障碍。
In that case, that is the reason why I choose the topic about "Study into Sound Credit Management Mechanism of Small Loan Company". 鉴于在这样的经济背景下,笔者选择完善小额贷款公司信用管理机制研究的选题。
Based on the national level of small loan company law system research and some provinces 'system comparison, this part is to look for how improve some of the legal system; The fourth part is foreign microfinance development experience and enlightenment. 通过对全国层面的小额贷款公司法律制度研究以及部分省市的制度比较,寻找法律制度中需要完善的部分;第四部分是国外小额贷款发展的经验和启示。
Technical efficiency by further decomposed into pure technical efficiency and scale efficiency to deepen the analysis, we found small loan company relative to pure technical efficiency and scale efficiency is relatively good. 通过将技术效率进一步分解为纯技术效率和规模效率来深化分析,发现小额贷款公司纯技术效率相对于规模效率是比较好的。
Thirdly, we could make credit management mechanism of small loan company sound, drawing lessons from a more typical mode of the small loan company from abroad. 再次,借鉴国外比较典型的小额贷款模式,作为我国完善小额贷款信用管理机制的借鉴。
Meanwhile, small loan companies for the domestic operations the status of the analysis, small loan company is different from the ordinary operation of business enterprises and banks and other financial institutions which has its own unique business model. 同时,针对国内小额贷款公司运营的现状进行了分析,指出小额贷款公司的运营不同于普通的工商企业和银行等金融机构,有着自身独特的经营模式。
How to guard against the risk of occurrence of this article has made a series of sophisticated institutional arrangements, and wanted to establish a risk warning mechanism, improved risk identification, risk compensation, increased multi-angle and intensity to resolve small loan company risk. 本文对如何防范风险发生提出了一系列成熟的制度安排,并希望通过建立风险预警机制,加强风险识别,加大风险补偿力度等多角度化解小额贷款公司风险。
The characteristic of this thesis is, draw lessons from domestic and international credit management theory, combined with the practice cases analysis, through loans to small companies to undertake SWOT is analysed, put forward the petty loan company product development countermeasure and proposal. 本文的特色及创新之处在于,借鉴国内外小额信贷管理研究理论,结合案例实践分析,通过对小额贷款公司进行SWOT分析,提出小额贷款公司产品开发的对策和建议。
Finally, the existing small loan company regulatory legal system is not perfect. 最后,现行小额贷款公司监管法律制度不健全。
The paper first analyzes the ecology theory, starting from the momentum theory, to build a small loan company evaluation index system based on niche theory, using the theory of ecology trend in different regions of the living environment of the small loans were evaluated. 本文首先分析了生态学的相关理论,并且从态势理论出发,构建了丛于生态位理论的小额贷款公司评价指标体系,利用生态学态势理论对不同区域的小额贷款的生存环境进行了评价。
Then this article analyzes the successful model of Microfinance in china, such as the model of the service center, the model of the small loan company and the model of the Village bank and so on. 本文又分析了国内成功的小额信贷模式,比如小额信贷服务中心模式、小额贷款公司模式、村镇银行模式等。
The A province is actual examination shows, insurance agent, trust agent, bill discounting, transfer of assets and other new business pilot is only for better operating conditions, large minority small loan company. A省的实际审批情况显示,保险代理、信托代理、票据贴现、资产转让等新业务试点目前只是针对经营情况较好、规模较大的少数国有小额贷款公司。
The explicit nature of the small loan company has a decisive influence on supervision institution and mode. 明确小额贷款公司的性质对配备监管机构和监管方式具有决定性影响。
On small loans of corporate governance is good or bad, directly determine the health development of the small loan company or not. 对小额贷款公司治理的好坏,直接决定了小额贷款公司健康发展与否。
The small loan company research and development of products to the level of theory, is the small loan of the supplement and perfect, for the small loan companies and other non-bank financial institutions have certain reference significance. 本文把小额贷款公司产品开发研究提升到理论高度,是对小额贷款研究的补充和完善,对于小额贷款公司以及其他非银行金融机构均具有一定的借鉴意义。
Finally, improve the small loan company special legal system of the supervision and regulatory measures; perfect the credit system and structure relevant industry regulation and self-discipline association to promote the sustainable development of small loan companies. 最后完善小额贷款公司具体的监管法律制度和监管措施,并健全借款人信用制度、行业自律协会的等相关监管辅助制度以求小额贷款公司可持续发展。
How to perfect the relevant laws and regulations for the small loan company? How to find the legal outlets? 如何健全小额贷款公司的相关法律法规?如何找到化解法律障碍的出路?对这些问题的研究无疑将有助于我国小额贷款公司的健康发展。
On the one hand there is a lot of blind system; the other hand, policies and regulations on small loan company in too much government interference. 一方面是制度盲区大量存在;另一方面是政策规定中对小额贷款公司经营干预过多。
Through the establishment of the technical efficiency of small loan companies Tobit factor analysis model, the company obtained the technical efficiency of micro-credit factors. 通过建立小额贷款公司技术效率影响因素分析的Tobit模型,得出了影响小额贷款公司技术效率的因素。
The main causes of current situation of the system of small loan company are value conflict and path dependence. 造成小额贷款公司制度现状的原因主要为价值冲突和路径依赖。