【作者】 李龙；

【导师】 杨文杰； 王彬；

【作者基本信息】 西北农林科技大学 ， 工商管理（专业学位）， 2015， 硕士

【摘要】 自2008年5月《关于小额贷款公司试点的指导意见》发布实施起,国家鼓励各地成立小额贷款公司为“三农”和小微企业等群体提供“只贷不存”的贷款服务,随后,国家相关部门相续出台各种政策措施鼓励民间资本进入金融领域,自鼓励政策出台后,小额贷款公司在全国各地迅速发展起来。小额贷款公司的业务发展迅速,近些年一直保持着高速增长,小额贷款公司甚至成长为推动“三农”和小微企业经济发展重要新生力量。但伴随着小额贷款公司的数量的不断增多及其金融专业化程度的不断提升,其发展经营中出现的一系列问题也逐步显现。本文通过对渭南市小额贷款公司发展情况进行了实地调研,从资本构成、贷款规模、人力资源、风险管理、贷款组合集中度、盈利能力、风险防控等方面对渭南市小额贷款公司发展现状进行了深入的研究。结合渭南市的实际情况,分析出影响小额贷款公司发展的主要影响因素。根据调查研究,得出了资本规模偏小、贷款五级分类较为随意、风险准备金提取有待规范、后续资金供给不足、人力资源储备缺乏制约小额贷款公司发展等结论,并提出了小额贷款公司应提高风险意识、建立持续的资金供给机制、完善外部管理、加强金融创新及人才培养、落实金融优惠政策、鼓励接入征信系统等政策建议,对于促进小额贷款公司健康、稳定发展,具有一定的现实意义。更多还原

【Abstract】 Since the application of the micro-credit company pilot guidance in 2008, The State encourages the establishment of micro-credit companies for the " agriculture, countryside and peasants " and Small and micro businesses and other groups. After the introduction of the policy to encourage, micro- credit loan is not only to survive, can not attract deposits. Subsequently, the relevant departments of the state continued introduction of various policies and measures to encourage private capital into the financial sector, After the introduction of the policy, micro-credit companies are developing rapidly across the country. The rapid development of business of micro-credit companies, In recent years has maintained high growth, micro-credit companies development an important new force to promote the " agriculture, countryside and peasants " and Small and micro businesses. But with the increasing number of micro-credit companies and the improvement degree of specialization continue.Therefore, it is of practical significance that understanding the financial status of micro-credit companies, the existing problems and reasons, to explore ways and means to solve the problem of the feasibility, and sustainable development. Based on the development of micro-credit companies in Weinan conducted field research,From the business environment, quality management, risk control, capital source and solvency, operation,Studied on the development of micro-credit companies in Weinan. According to the actual situation of Weinan city, Analysis of the main factors affecting the development of small loan company..According to the investigation and research, That small-scale capital, loan five level classification is more casual, risk reserve extraction to be norms and following up the shortage of funds, human resources reserve lack is restricting the development of micro-credit companies such as conclusion. And puts forward the petty loan company should improve risk consciousness, establish the sustainable supply of capital mechanism, improve the external management, strengthen financial innovation and personnel training, implement financial preferential policies and encourage access to the credit system policy recommendations. For the promotion of micro-credit companies, healthy and stable development, has certain practical significance.更多还原