当前小额贷款公司可持续发展问题研究

摘要

小额贷款公司作为一种新兴的信贷机构,在缓解弱势群体资金短缺、支持农村金融建设等方面具有重大意义,但小额贷款公司在运行中出现的诸多问题,也严重制约着小额贷款公司的可持续发展.对小额贷款公司存在的问题进行分析,并从监管、融资、利润与风险四个方面探讨了小额贷款公司在现有框架下的可持续发展机制,最后从转制的角度提出小额贷款公司可持续发展的新方向.%small loan company as a new kind of credit institutions have significance in the ease the shortage of funds of vulnerable group,support rural finance construction and other aspects,but the small loan companies associate with a lot of problems in their operations,those problems also severely restricts the small loan companies＇ sustainable development.In this paper analyzed small loan companies＇ problem,and discussed the sustainable development mechanism in current circumstance from regulatory,financing,profit and risk,and finally provided the new direction of sustainable development for the small loan companies＇ new direction from conversion aspect.