浙江省小额贷款公司的资金需求及其对策研究【毕业】.docVIP

本科毕业论文（设计） 论文题目：浙江省小额贷款公司的资金需求及其对策研究 所在学院 专业班级 金融学 学生姓名 学号 指导教师 职称 完成日期 年 月 日 毕业论文独创性声明 本人郑重声明所提交的毕业论文是本人在指导教师的指导下 进行的研究工作及取得的研究成果。除文中特别加以标注的地方 外,论文中不包含他人已经发表的学术成果或者他人为获得高等院 校学位而使用过的材料，论文中不涉及任何知识产权纠纷。否则, 本人将承担一切责任。 学生签名： H 期： 浙江省小额贷款公司主要从事贷款业务,为排斥在正规金融体系外的弱势群 体提供金融服务，致力于服务“三农”和中小企业，在一定程度上促进了农村金 融领域多元化的发展，符合政府对农村金融机构多元化发展的要求。小额贷款公 司在支持屮小企业的发展、增加就业、解决贫困、规范民间资本方面起到了重要 的作用，从而为浙江经济作出了贡献。本文通过对小额贷款公司资金来源及资金 需求的分析，找出资金短缺的原因，如性质不明确、后续资金短缺、不能吸收公 众存款、税费压力过重等问题。基于资金短缺原因的分析，认为应该要明确小额 贷款公司的性质、加大政府扶持力度、拓宽资金来源渠道、完善股东结构、加强 征信系统建设、制定合理的贷款利率。 关键词：小额贷款公司；资金需求；资金短缺 Abstract Zhejiang Small-loan Companies mainly engaged in the loan business, it devotes to the service of agriculture, countryside and farmers11 and small and medium-sized enterprise,it provides financial service to disadvantaged groups which is rejected by the formal financial system, to a certain extent, it promoted the development of diversified rural financial field, Accord with the requirements of the diversified development trend of the rural financial institutions. Small-loan Companies play a key role in support of the development of small and medium-sized enterprise company and increasing employment, poverty, regulating private capital.so as to contribute to the economy of Zhejiang province. This article analyses capital source and capital requirement of Small-loan Companies, and find out the cause of the shortage of funds, Such as nature is not clear.it is lack of follow-up capitaljt cant absorb public deposits, the taxes burden is heavy Based on the analysis of the reason of the shortage of fundsj think Small-loan Companies need to make the nature clearly,to perfect shareholder structurejo enhance the construction of the credit reporting system, to lay down the reasonable lending rate. Keywords:Small-loan Companies;capital requirement;the shortage of funds TOC \o 1-5 \h \z \o Current Document \h 1浙江省小额贷款公司的资金来源 1 1.1股东缴纳的资本金 1 1.2捐赠资金 2 1.3向金融机构融资 2 1.4贷款的利息收入 3 \o Current Document \h 2浙江省小额贷款公司的资金需求 5 2」对