小额贷款公司可持续发展的制度约束与对策建议  

Institutional Constraints and the Solutions of Sustainable Development in Micro-credit Companies

作　　者：杨林生[1] 杨德才[1] 

机构地区：[1]南京大学经济学院,江苏南京210093

出　　处：《经济问题》2014年第2期79-84,共6页On Economic Problems

基　　金：浙江省哲学社会科学规划重点课题"现代金融体系视角下民间借贷市场规范化研究--以浙江台州为例"(09CGYD013Z);台州市哲学社会科学规划重点课题"小额贷款公司可持续发展的制度约束与对策建议"(13GHZ05)

摘　　要：小额贷款公司作为一种新型的专门从事借贷业务的企业组织,近年来得到迅猛发展,为缓解"三农"群体、小微企业及个体工商户的融资难问题发挥了积极的作用。然而,小额贷款公司在具体运行中却面临着许多制度性的约束,使其金融业务有实无名、融资压力有增无减、财税负担挤压利润、运营风险难以规避,严重地制约了小额贷款公司的可持续发展,有的甚至行走在法律的边缘。因此,必须尽快完善小额贷款公司的制度顶层设计,以充分释放制度绩效。Recent years have witnessed a boom in micro -credit companies , a new pattern of enterprises spe-cializing in loaning , which play a significant role in alleviating the difficulty in financing among small and micro en-terprises , individually -owned businesses , as well as groups concerning agriculture , countryside , and farmers.However , there are many institutional constraints in the practical management that makes the financing business work without its proper name , resulting in an increasing financing pressure , tax burden squeezing profits , and mak-ing the running risks unavoidable , which greatly restrict micro -credit companies from sustainable development , and some of them are even working at the risk of illegitimacy.Therefore , it is necessary to perfect the top -level design of institutions in micro -credit companies , so as to fully release the institutional performance.

关 键 词：小额贷款公司 可持续发展 制度约束 

分 类 号：F830.6[经济管理—金融学]