浙江小额贷款公司可持续发展对策研究.docVIP

摘要 小额贷款公司的出现是金融不断发展创新的结果。在原有农村金融体系未能为 “三农”和屮小企业提供充分金融服务的情况下，小额贷款公司的出现有利于释放 农村金融需求、激活农村金融市场、丰富“三农”金融产品和服务、打破银行类金 融机构在信贷市场上的垄断地位，从而开创出为具有不同业务规模、不同金融需求 的群体提供差异化产品和服务的良好局面。浙江省小额贷款公司自2008年开始试点 以来，在社会各界的大力支持和积极参与下，小额贷款公司试点工作进展顺利，在 广阔市场需求前景下呈蓬勃发展态势，已取得了显著成效。但同时其可持续发展也 面临着许多制约性因素，其屮不乏带有共性的问题。探寻问题所在与解决之策，对 于实现浙江省乃至全国小额贷款公司的可持续发展，有效发挥小额贷款之作用具有 重要的现实意义。 关键词：小额贷款公司；可持续发展；中小企业；三农 Abstract The petty loan company is the emergence of financial innovation and continuous development of the results. In the original rural financial system has not to be ”3 farming” and the small and medium-sized enterprises to provide full financial services，small loan companies appear to favor the release of rural financial demand, the activation of the rural financial market，rich” 3 farming” the financial products and services，to break the banking financial institutions in the credit market monopoly position, thus creating a for with different scale，different financial demand groups offer different products and services of good situation. Small loan company in Zhejiang province since the beginning of 2008 pilot since，in all sectors of the community’s strong support and active participation，the petty loan company pilot job goes well，in the broad market demand foreground is a vigorous momentum of development，has achieved remarkable success. But at the same time its sustainable development also faces many restrictive factors，which are the common problems. Exploring the problems and solutions in Zhejiang province and even whole nation，to realize the sustainable development of small loan companies，effectively play the role of microfinance has important practical significance. Key words : small loan company; sustainable development; small and medium-sized enterprises; farming TOC \o 1-5 \h \z 弓 IB 1 HYPERLINK \l bookmark3 \o Current Document \h 1小额贷款公司产生的背景和必然性 1 1.1产生的背景 1 1.1.1国际组织和国内公益组织援助的小额信贷机构 2 1.1.2政府包括具有政府职能的社团组织 2 1.1.3正规金融机构开办的小额信贷业务 2 1.1.4商业性的小额贷款公司 2 1.2产生的必然性 2 HYPERLINK \l bookmark4 \o C