广西小额贷款公司:经营困境与探索  

Guangxi Micro-credit Companies: Operating Difficulty and Exploration

作　　者：罗道芳[1] 杨绍孙[1] 余良乾[1] 

机构地区：[1]中国人民银行北海市中心支行,广西北海536000

出　　处：《区域金融研究》2013年第4期29-34,共6页Journal of Regional Financial Research

摘　　要：作为民间金融组织的一种创新模式,小额贷款公司对培育多元化农村金融主体、增加农村金融的服务供给、满足"三农"多层次的融资需求、促进社会主义新农村建设有着重要的实践意义。本文首先选取广西较为典型的85家小额贷款公司进行分析,从小额贷款公司内部经营困境和外部制度设计障碍两方面去寻找当前阻碍广西小额贷款公司发展的深层次问题,重点分析内部经营矛盾、制度设计的局限性、外部监管制度的真空性,希望通本研究成果能为广西小额贷款公司的可持续发展提供有益的依据和建议,为微小民间金融的发展提供经验。As an innovative model of folk financial organizations, the micro-credit companies play an important role in developing diversified rural finance, increasing supply of rural financial services, meeting the ＂three rural ＂ muhi-level financing demand and promoting the construction of new socialist countryside. Selecting 85 micro-credit companies in Guangxi, the article focuses on analysis of the internal contradiction of management, the limitation of de-signing system, and the vacuum of external supervision system. We hope that the results of the study can provide use- ful references and suggestions for the sustainable development of the micro-credit companies in Guangxi, and develop-ment experience for small folk finance.

关 键 词：小额贷款公司 内部经营困境 外部制度约束 探索 

分 类 号：F830.5[经济管理—金融学]