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在金融体制改革的背景下,小额贷款公司已经成为一项完善农村金融体系,降低农村金融门槛,提高农村金融服务的创新举措,是中国深化金融改革,完善金融体系,构建普惠性金融的生力军。中国农村小额贷款公司自2005年开始试点以来,对促进农村经济发展、完善金融体系内部结构、解决中国支农资金不足等问题发挥了一定的作用。但试点中的农村小额贷款公司还存在资金来源不畅、内部管理不规范、风险控制机制缺乏等问题。文章将以江苏省常州市武进区农村小额贷款公司为例,通过实证分析法分析农村小额贷款公司发展状况及发展中遇到的问题,为农村小额贷款公司可持续发展提供政策建议。这对于农村小额贷款公司实现规范、健康、可持续发展有着现实的意义。
In the context of the reform of the financial system, microfinance companies have become an innovative measure to improve the rural financial system, lower the rural financial threshold and improve rural financial services because China deepens its financial reform, improves its financial system and builds inclusive finance new force. Since its pilot project in 2005, China’s rural microfinance lenders have played a certain role in promoting rural economic development, improving the internal structure of the financial system and solving the problem of insufficient funds for supporting agriculture in China. However, the rural microfinance companies in the pilot project still have problems of poor sources of funds, irregular internal management and lack of risk control mechanisms. Taking Wujin District Rural Microloan Company in Changzhou City, Jiangsu Province as an example, the article will analyze the development of rural microcredit companies through empirical analysis and the problems encountered in the development so as to provide policy recommendations for the sustainable development of rural microcredit companies. This has practical significance for rural microfinance companies to achieve standardized, healthy and sustainable development.