中国小额贷款公司可持续发展研究  

Study on Sustainable Development of Chinese Micro-credit Companies

作　　者：吴建强[1] WU Jianqiang

机构地区：[1]四川省社会科学院,四川成都610071

出　　处：《吉林金融研究》2024年第7期48-52,共5页Journal of Jilin Financial Research

基　　金：国家社科基金一般项目《小额货款公司三重绩效评价与可持续发展研究》(批谁号:19BJL094)的阶段性成果。

摘　　要：2023年中央金融工作会议指出,要坚持以人民为中心的价值取向,大力发展普惠金融。2024年政府工作报告指出,要大力发展科技金融、绿色金融、普惠金融、养老金融、数字金融。在地方金融组织中,小额贷款公司作为银行金融机构的有效补充,聚焦普惠金融,在支农支小中发挥着重要作用。近年来,金融监管部门强化小额贷款公司管理,优化金融发展生态,小额贷款公司健康发展取得了一定成效,但也存在法律身份属性不明、对外融资渠道单一、经营压力较大、从业人员不足等问题。为推动小额贷款公司可持续发展,可加大小额贷款公司政策支持、提升小额贷款公司经营能力、加快小额贷款公司业务转型、提升小额贷款公司数字化服务水平。The 2023 Central Financial Work Conference pointed out that we must adhere to the value orientation of putting the people at the center and vigorously develop inclusivefinance.The 2024 government work report pointed out the need to vigorously develop technologyfinance,greenfinance,inclusivefinance,pensionfinance,and digital finance.In local financial organizations,small loan companies serve as effective supplements to banking and financial institutions,focusing on inclusive finance and playing an important role in supporting agriculture and small businesses.In recent years,financial regulatory authorities have strengthened the management of small loan companies,optimized the financial development ecosystem,and achieved certain results in the healthy development of small loan companies.However,there are also problems such as unclear legal identity attributes,single externalfinancing channels,high operating pressure,and insufficient employees.To promote the sustainable development of small loan companies,we can increase policy support for small loan companies,enhance their operational capabilities,accelerate their business transformation,and enhance their digital service level.

关 键 词：中国 小额贷款公司 可持续发展 

分 类 号：F830[经济管理—金融学]