小额贷款公司持续发展面临的制度约束及破解  

System Constrains Faced by the Sustainable Development of Small Loan Companies

作　　者：朱传辰[1] 谢颖[1] 邢衍栋[1] 

机构地区：[1]中国人民银行枣庄市中心支行,山东枣庄277102

出　　处：《金融发展研究》2013年第6期64-67,共4页Journal Of Financial Development Research

摘　　要：本文通过对SH小额贷款公司的分析,认为其发展面临困境的根源在于制度和资金来源约束,使其失去比较优势。出路在于适度提高其杠杆比例,使其更好服务于小微企业和个体工商户。Through the analysis of the SH Small Loan Co., Ltd., this paper believes that the development dilemma faced by small loan companies is rooted in institutional constraints, especially the constraints of funding source, which leads to the loss of its comparative advantage and target offset. At present, the most feasible financing channel of small loan companies is to expand the proportion of bank financing to provide better services for small or micro-sized enterprises and individual businesses.

关 键 词：制度约束 目标偏移 杠杆比例 

分 类 号：F830[经济管理—金融学]