發(fā)布時間：2018-03-26 21:04

  本文選題：小額貸款公司　切入點：競爭策略　出處：《中南大學(xué)》2013年碩士論文

【摘要】：2005年10月,在中國人民銀行的主導(dǎo)下,在山西、陜西、四川、貴州、內(nèi)蒙古5個試點省(區(qū))進行商業(yè)性小額貸款公司的試點工作,開始了對由私人出資設(shè)立,不能存款只能發(fā)放貸款的主要服務(wù)于三農(nóng)的非銀行機構(gòu)模式的探索。在國家相關(guān)政策的支持下,我國小額貸款公司得到了迅速發(fā)展。但在復(fù)雜的金融環(huán)境下,小額貸款公司也面臨著定位模糊、融資渠道狹窄、過于沉重的稅收負(fù)擔(dān)和其他金融機構(gòu)的競爭等一系列的問題。 筆者通過對國內(nèi)小額貸款公司發(fā)展現(xiàn)狀的分析,提出小額貸款公司目前發(fā)展存在的困難。按照小額貸款公司設(shè)立要求,結(jié)合諸暨當(dāng)?shù)亟?jīng)濟發(fā)展?fàn)顩r和經(jīng)濟特色,對組建諸暨市八方小額貸款有限公司進行可行性研究。公司以貸款業(yè)務(wù)為主,以中間業(yè)務(wù)為輔,挖掘客戶資源,向產(chǎn)業(yè)內(nèi)部延伸,通過對運營能力、盈利能力等指標(biāo)的評價為公司以后開展業(yè)務(wù)做好充分的準(zhǔn)備及明確發(fā)展方向。最后本文對小額貸款公司的信貸風(fēng)險因素成因和風(fēng)險控制政策進行詳細(xì)的分析,為今后諸暨市八方小額貸款公司的發(fā)展提供一些可參考的運作模式,同時也為同行業(yè)其他經(jīng)營者提供借鑒和幫助。
[Abstract]:In October 2005, under the leadership of the people's Bank of China, the pilot work of commercial microfinance companies was carried out in five pilot provinces (autonomous regions) in Shanxi, Shaanxi, Sichuan, Guizhou and Inner Mongolia. The exploration of the mode of non-bank organization which can only provide loans to farmers, farmers and farmers. With the support of relevant national policies, microfinance companies in China have developed rapidly. But in the complex financial environment, Microfinance companies also face a series of problems, such as vague positioning, narrow financing channels, too heavy tax burden and competition of other financial institutions. Based on the analysis of the current situation of the development of domestic microfinance companies, the author puts forward the difficulties existing in the development of micro-credit companies. According to the requirements of the establishment of micro-credit companies, the author combines the local economic development situation and economic characteristics of Zhuji. Feasibility study on the establishment of Zhuji Bafang Microcredit Co., Ltd. The company mainly focuses on lending business, supplemented by intermediate business, excavates customer resources, extends to the inside of the industry, and through the operation ability, The evaluation of profitability and other indicators for the company to carry out business in the future to make a full preparation and clear direction for development. Finally, this paper makes a detailed analysis of the causes of credit risk factors and risk control policies of microfinance companies. It provides some reference operation mode for the development of Zhuji Bafang Microloan Company in the future, and also provides reference and help for other operators of the same industry.
【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4

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本文編號：1669573