论文部分内容阅读
小额贷款公司是一种专门提供小额信贷服务的机构,近几年的数量规模不断扩大。本文通过调查分析认为浙江省现有小额贷款公司的经营效率并不尽如人意,存在经营成本高、收益水平受限等主要问题,影响到了小额贷款公司的可持续发展。提出在外部政策导向上逐步取消利率限制,财政给予补贴;内部公司管理上,创新贷款技术,提高贷款质量;明确小额贷款公司向专业贷款公司方向发展等建议。
Microfinance companies, an organization that specializes in providing microfinance services, have been expanding in number in recent years. Through the investigation and analysis, this paper argues that the operating efficiency of the existing microfinance companies in Zhejiang Province is not satisfactory, and the main problems such as high operating costs and limited income levels affect the sustainable development of microfinance companies. Proposed the gradual removal of interest rate restrictions on the direction of external policies, the financial subsidies given to them; the management of internal companies, the innovation of loan technology, and the enhancement of loan quality; and the suggestion of making microcredit companies develop towards specialized lending companies.