小额贷款公司发展的变异:东营案例  

Variation in Small Loan Companies Developing Process:Dongying Case

作　　者：刘冲[1] 石文华[1] 王树春[1] 

机构地区：[1]中国人民银行东营市中心支行,山东东营257018

出　　处：《金融发展研究》2010年第11期26-30,共5页Journal Of Financial Development Research

摘　　要：小额贷款公司自成立至今,一直生存于金融机构与民间金融的尴尬之中。在"只贷不存"的硬性约束和激烈的竞争下,许多小额贷款公司的发展路径与政策定位的初衷有所偏离,究其原因是约束条件下资本追求收益最大化的结果。本文从规范经济学角度以政策定位为参考系,以山东省东营市小额贷款公司为实证,分析其发展变异的基本成因。Since the birth of small loan companies,their position has been struggling between financial institution and private finance.Small loan companies have rigid constraint as＂credit only＂.In the highly competitive environment,many small loan companies＇ developing path is not consistent with policy orientation.The reason is that the pursuit of maximum earnings under restricted conditions.From the perspective of normative economics and the reference of policy orientation and Dongying empirical case,we find out the development variation.

关 键 词：小额贷款公司 比较优势 政策定位 过桥贷款 

分 类 号：F830.35[经济管理—金融学]