我国小额贷款公司转型研究

摘要

The emergence of small loan companies not only injects a new element to China’s financial market but also brings new challenges. In order to improve the development of small loan companies,change disadvantages into advantages and find the way out of these companies,starting from the status quo of small loan companies,this paper analyzes the business advantages of small loan companies,explores the development problems,and studies deeply of its future development mode and direction. Finally,it comes to a conclusion that small loan companies in China should incorporate into non-deposit-taking financial institutions of those areas belong to county.%　　小额贷款公司的出现，既给我国的金融市场注入了新的元素，同时又带来了新的挑战。为了更好地促进小额贷款公司的发展，变不利为有利，为其发展找到一条出路，文章从小额贷款公司的现状出发，分析了小额贷款公司的业务优势，探讨了其在发展中存在的问题，并对其未来发展模式及发展方向进行了深入研究，得出了我国小额贷款公司应纳入县域以下地区的非存款类金融机构中的结论。