浅谈我国小额贷款公司的风险.docVIP

郑州大学西亚斯国际学院 本科毕业论文 题 目 浅谈我国小额贷款公司的风险 指导教师 易姣娇 职称 讲师 学生姓名 孙正飞 学号 20101814233 专 业 金 融 班级 2班 院 （系） 国际教育学院 完成时间 2014年3月24日 浅谈我国小额贷款公司的风险 摘 要 自2005年我国第一批小额贷款公司试点成立以来，小额贷款公司在短短的八年时间中得到了飞速的发展。小额贷款公司在解决中小企业、农牧民以及商户个体融资困难问题上起到了巨大的作用。小额贷款公司不仅能有效配置社会资金，补充银行信贷盲区，而且能有效的缓解了社会矛盾压力，在扶持社会弱势群体、构建和谐社会方面做出了巨大的贡献。但是由于小额贷款公司的发展时间较短，存在配套法律制度不健全、经营范围对象狭窄、资金来源不充分等问题。其不仅存在同其他金融服务机构一样的经营风险，而且还由于自身的特殊性存在一些特有的金融风险。因此展开小额贷款公司的风险研究不仅具有一定的理论研究意义，而且对探索研究我国小额贷款公司的健康发展之路有一定的借鉴，具有强烈的现实需要。本文首先概述我国小额贷款公司的发展现状及存在的问题；继而详细分析目前我国小额贷款公司面临的风险，并进行其成因分析；最后为应对风险提供几点切实可行的策略建议，以期裨益于我国小额贷款公司的健康发展。 关键词： 小额贷款公司；风险；对策 ON THE RISK OF SMALL LOAN COMPANIES ABSTRACT Since 2005, Chinas first batch of small loan company pilot established microfinance company has been rapid development in a short period of time in eight years. SMEs in solving small loan companies, farmers and herdsmen as well as individual business financing difficulties played a huge role.?Small loan companies can not only efficient allocation of social funds to supplement bank credit blind, and can effectively alleviate the pressure of social conflicts in support of vulnerable groups in society, to build a harmonious society has made tremendous contributions .However, due to the development of small loan companies short time, supporting the existence of the legal system is not perfect, the narrow scope of business objects, inadequate funding and other issues.?It only exists as with other financial services institutions operating risks, but also because of their special nature, there are some specific financial risks.?Therefore, small loan companies expand risk research not only has a certain theoretical significance, but also for exploring the road of healthy development of Chinas research microfinance companies have some reference , with a strong practical needs .?This paper outlines t