小额贷款公司发展现状问题及对策研究
毕业论文关键词：小额贷款公司 小微企业 监管缺失
Questions about the Small Loan Companies，the Present Situation and Countermeasure Research
——For Example：Xuzhou Area
Abstract：The small loan company is a new thing in the environment of our market economy, the intense contradiction between supply and demand of funds has reduced because of the coming of the small loan company,which has the great significance to handle the financing difficulties of the small micro enterprise.But because the nature of the small loan company definition is not clear and so on,its development meets the problems.This paper analyzes the current situation of the development of small loan companies and expounds the problems of small loan companies in the development process:identity nature definition is not clear, financing channel is less,the regulatory system is not perfect, social credit environment is poor, etc. By referring to a large number of financial organizations and relevant materials and summing up relevant experience, this paper puts forward some effective suggestions about the main problems which the small loan companies is facing in its development.Small loan companies should broaden the financing channels and strengthen industry self-discipline.The government should strengthen support and reduce the tax burden, we will not only accelerate the establishment of a sound credit system,but also perfect the small loan company regulatory system;The society also should strengthen the regulation of small loan companies.
Key Words：Small loan companies, Small micro enterprise, Lack of regulation
目 录
引 言 1
一、研究背景和意义 2
（一）研究背景 2
（二）研究意义 2
二、文献综述 3
（一）关于小额贷款公司概念的研究 3
（二）关于小额贷款公司发展瓶颈的研究 4
（三）述评 5
三、小额贷款公司发展过程中存在的问题 5
（一）小额贷款公司性质模糊 5
（二）转制村镇银行困难 6
（三）融资渠道狭隘，资金来源少 6
（四）税赋负担重 7
（五）存在监管真空的状况 7
（优尔）信用环境较差 8
四、小额贷款公司发展过程中存在问题的原因 8
（一）缺少相关法律的定位 8
（二）商业银行不配合 9
（三）内部资金缺乏，外部融资受限 9
（四）监管制度不完善 9
（五）信用体系不健全 10
五、解决小额贷款公司存在问题的措施 11
（一）界定小额贷款公司性质，从立法上为其正名 11
（二）明确市场定位，为基层服务 12
（三）扩展融资渠道，使资金来源多元化 12