摘要：一直以来，我国的城乡收入差距逐年加大，农村经济的发展问题越来越受到国家重视。为了解决我国农村经济的发展问题，政府将在国际上发展较成熟的小额信贷引入了国内。为农户和小微企业提供资金机会，帮助他们摆脱贫困，缩小城乡之间的差距。这种金融服务的创新为贫困地区的经济发展提供了新的方式。小额信贷为促进农村经济的发展起到了很大的积极作用，但是在实际运作过程中同时也暴露出了一系列问题。本文通过对国内外小额信贷的研究，归纳出我国小额贷款公司的发展现状以及在实际运作中出现的各类问题并提出建议。首先是小额贷款公司性质的模糊导致了我国小额贷款公司游离于监管体系外，其次是资金来源的单一以及信用体系的不完善导致了我国小额贷款公司风险性较大，最后针对以上的问题给出自己的建议。第一，国家应该明确小额贷款公司法律地位，并选择合适的监管部门作为其监管主体；第二，对小额贷款公司的资金筹集渠道单一、信用体系不完善等问题提出合理的建议，促使小额贷款公司更好地成长；第三，地方政府、小贷公司自身以及社会都应对其进行监督，完善我国金融体系的信用建设。70330

毕业论文关键词：小额贷款公司  信用建设  监督

Research on development of China’s small loan companies

Abstract：For a long time, China's rural economic development is not optimistic, the income gap between urban and rural areas is gradually increased. The development of the rural economy is becoming more and more valued. In the 1990 s, the practice of our country draw lessons from the abroad, are introduced to microfinance in rural areas. The aim is to help people out of poverty in rural areas, actively promote the economic development of rural areas, narrow the gap between urban and rural.He is an important way of poverty alleviation, but also a kind of financial service innovation. To some extent, the introduction of the microfinance model for the rural economy has played a positive role, but in the process also exposed various problems. In this paper, based on the research of the domestic and foreign microfinance, sums up the present situation of the development of China's small loan company as well as all kinds of problems. First is the nature of the microfinance company led to the small loan companies to drift outside the regulatory system in our country, the second is the source of funds, and imperfect credit system has led to China's small loan company risk is bigger, finally give their advice to solve above problems. First, the nation should make clear the property of small loan companies and carries on the effective regulation; Second, improve the small loan company capital source of the single, prompt healthy development of the small loan company; Third, local governments, the small loan company itself and society owes its supervision, improve the credit construction of our country's financial system. 

Key words: small loans company ,  credit construction,   supervision

目录

一 、引言.1 

（一）选题背景1 

（二）研究意义.1 

（三）文献综述.1 

（四）研究的主要内容.2 

二、我国小额贷款公司的发展现状.4 

（一）发展状况.4 

 (二）发展特点.6 

 (三）运营模式.7 

三、我国小额贷款公司发展中存在的主要问题..9  

（一）缺乏完善的法律法规....9 

（二）资金来源单一.....9 

（三）缺乏专业性人才.9  

（四）管理体系不完善，运作不规范.10 

（五）缺乏行之有效的监管体系.11