小额贷款公司改革发展及目标定位问题研究  

Research on the Reform, Development and Target Orientation of Microfinance Companies

作　　者：董良泉[1,2] 王兆旭 Dong Liangquan;Wang Zhaoxu(PBCWeifang Sub-branch,Shandong Weifang 261041;PBC Jinan Branch,Shandong Jinan 250021)

机构地区：[1]中国人民银行潍坊市中心支行,山东潍坊261041 [2]中国人民银行济南分行,山东济南250021

出　　处：《金融发展研究》2019年第10期34-38,共5页Journal Of Financial Development Research

摘　　要：自2005年国家启动小额贷款公司试点以来,全国小额贷款公司在机构数量、业务规模等方面实现了较快增长,对于缓解"三农"和小微企业融资难问题,活跃农村金融市场发挥了积极作用。但同时部分小额贷款公司也出现了市场发展空间缩小、不良贷款风险加大、市场定位偏差和盲目发展等问题,明显偏离了政策初衷。本文在梳理小额贷款公司发展脉络的基础上,对山东省小额贷款公司发展现状及存在问题进行了深入分析,对小额贷款公司转型发展及目标定位问题进行了探讨,提出应结合小额贷款公司自身实际分类施策,走差异化、特色化、专业化的发展道路。Since China started the pilot program of microfinance companies from 2005, the microfinance companies have achieved rapid growth in the number of institutions and business scale,which has played a positive role in alleviating the financing difficulties of "agriculture,rural areas and farmers" and small and micro enterprises,and in activating the rural financial market. Meanwhile,some microfinance companies also have some problems like shrinking of the market development space,risk of non-performing loans increasing,market positioning deviation and blind development,which obviously deviate from the original intention of the policy. Based on the development of the microfinance companies, this paper deeply analyzes the current situation and problems of microfinance companies in Shandong Province. The paper also discusses the transformation development of microfinance companies and its target orientation,and puts forward that the microfinance companies should take a developing path of differentiation,characterization and specialization in terms of their own realities.

关 键 词：小额贷款公司 改革 发展 目标定位 

分 类 号：F830.5[经济管理—金融学]