金融性财务公司小额贷款监管体系的研究.doc

论文题目：金融性财务公司小额贷款监管体系研究  专  业：技术经济及管理  硕 士 生：朱新玲 指导教师：刘福民  （签名） （签名）  摘 要 作为小额贷款主体的中小企业是推动国民经济发展，构造市场经济主体，促进社会 稳定的基础力量。特别是当前，在确保国民经济适度增长、缓解就业压力、实现科教兴 国、优化经济结构等方面，均发挥着越来越重要的作用。但是因为中小企业的信用水平 存在很大的不确定性，且缺少抵押品，所以导致它们融资困难，难以从银行获取贷款, 这已经成为制约中小企业健康发展的瓶颈。近几年来金融性财务公司快速发展，为中小 企业提供了融资渠道，有效缓解了中小企业融资难问题，促进了中小企业平稳健康发展。 本文通过小额贷款的相关理论综述，分析总结了国外小额贷款的成功模式及基本经 验。通过我国金融性财务公司小额贷款现状问题的分析，分析了我国小额贷款的现状、 发展趋势及其存在的问题，针对我国小额贷款存在的问题，结合中小企业融资难的现状 及其融资特点，提出金融性财务公司小额贷款监管体系构建的原因。通过金融性财务公 司小额贷款监管体系的构建，设计小额贷款监管体系构建的总体思路，在此基础上围绕 小额贷款的贷前审查、贷后监管、贷款回收对小额监管体系进行构建。最后结合我国的 国情提出相关的支持小额贷款发展的政策环境，对金融性财务公司提供特定制度安排和 政策支持以及优化融资环境的建议。 关 键 词：金融性财务公司；小额贷款；监管体系 研究类型：应用研究 Subject :Study on Microfinance Supervision System of Financial Financial Company Specialty : Technology Economy and Management  Name  : ZhuXinling  (Signature)  Instructor: LiuFumin  (Signature)  ABSTRACT As the main body of microfinance to small and medium-sized enterprises are promoting national economic development, structuring market economy main body, promoting social stability foundation strength. Especially at present, to ensure moderate growth, relieve employment pressure, realize national economy, optimizing the economic structure, relying on science and education, etc., small and medium-sized enterprises are playing an increasingly important role. But because small and medium-sized enterprises credit level have a lot of uncertainty ,and they lack of collateral, which lead their financing difficulties, they are difficult to get loans from the bank, it has become a bottleneck which restricts the healthy development of small and medium-sized enterprises. In recent years Financial financial companies have rapid development, and provide the financing channels for small and medium enterprises, effectively relieve the small and medium-sized enterprise financing difficult problems, promote the steady and healthy development of small and medium-sized enterprise. This dissertation by microfinance related theories overview, analysis summe