促进商业性小额贷款公司可持续发展之政策性见解——基于典型地区的比较分析  

On the Improvement of Sustainable Development of MCCs in China from the View of Policy——On the basis of Comparative Analysis of Typical Areas

作　　者：张正平[1] 林汉川[2] 葛倩倩[2] 

机构地区：[1]对外经济贸易大学应用经济学博士后流动站,北京100029 [2]对外经济贸易大学国际商学院,北京100029

出　　处：《现代财经（天津财经大学学报）》2011年第11期94-103,共10页Modern Finance and Economics：Journal of Tianjin University of Finance and Economics

基　　金：国家自然科学基金资助项目(71003022);中国博士后基金资助项目(20090460257);中国博士后基金特别资助项目(2010083);北京市委组织部优秀人才项目(2010D005003000009);北京市委社科计划面上项目(SM201110011002)

摘　　要：2008年5月,银监会发文将"只贷不存"的商业性小额贷款公司试点工作推广到全国,并给予各地省级地方政府相对宽松的政策空间,此后小额贷款公司发展迅猛,截至2011年6月底,全国已经建立了3 366家小额贷款公司。然而,小额贷款公司可持续发展前景令人担忧。为此,本文选择小额贷款公司发展相对成熟的山西、内蒙古、浙江、上海和北京五个典型地区为例,在对其政策设计和发展状况进行比较的基础上,剖析了当前我国小额贷款公司可持续发展面临的主要障碍,进而提出相应的政策建议。In May 2008,China Banking Regulation Commission issued a new guidance to make the experiment of commercial micro-credit companies（MCCs） which allow to offer loan but not to take deposit（No Save but Loan） and expand it to the whole China,giving the local provinces relative loose policy space about MCCs.By the end of June,2011,there have been 3366 MCCs in China.But the sustainable development of MCCs is faced with a big challenge,which has a closed relationship with the different design of local policy.In this paper,we first make a comparison of the difference of policy design and developing status of MCCs in six selected provinces,and then based on the comparative analysis of the main existing problems of MCCs,we finally propose some suggestion on the sustainable development of MCCs in China.

关 键 词：商业性小额贷款公司 可持续发展 典型地区 

分 类 号：F830.5[经济管理—金融学]