我国小额贷款公司资金短缺原因与对策探析  

Study on Causes and Countermeasures of Capital Shortage of Our Country' s Micro-credit Company

作　　者：刘碧珍[1] 

机构地区：[1]湖南农业大学后勤服务集团,湖南长沙410128

出　　处：《湖南人文科技学院学报》2011年第6期32-35,共4页Journal of Hunan University of Humanities,Science and Technology

摘　　要：民间资本通过小额贷款这一渠道输入到急需资金的中小企业和农户手中,为解决我国"三农"及小型企业融资难问题提供了一条有效途径。但是大部分小额贷款公司在放贷业务方面面临着放贷资金不足而难以持续运营的难题,其主要原因表现在:只贷不存,缺少后续资金;前景不明,投资者观望犹豫;向银行融资困难;利润空间小;得不到政策扶持,赋税相对繁重。解决小额贷款公司资金不足问题可以从如下几方面入手:扩展融资渠道,增强小贷公司"贷"力;制定相关优惠政策,缓解资金压力;将小额贷款公司定性为"非银行金融机构";放宽融资限制,疏通融资渠道;实现小额贷款公司自我完善。Folk capital inputs medium-sized enterprises and peasant households by the means of micro-credit,which provides an effective way of solving the problems of our country' s ' three agriculture' and small-sized enterprise financing.But most of micro -credit enterprises face the difficult problem which lending capital is not enough to operate.The reasons show:only loan does not exist,the lack of follow-up funding;uncertainty,investors wait-and-see;financing to banks is difficult;the profit space is small;without government support;taxes are relatively heavy etc.To solve the problem of insufficient funds of small loan companies need to be taken to expand financing channels,strengthen the small loan company ' borrowing' force;formulate preferential policies,alleviate the financial pressure;the small loan company is qualitative for non bank financial institutions;relax financing constraints,dredge financing channels;realize small loan company self improvement measures.

关 键 词：小额贷款公司 资金短缺 原因 对策 

分 类 号：F83[经济管理—金融学]