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近年来,“只贷不存”小额贷款公司作为一种新型金融组织在我国迅速发展,其以注册资本小、经营方式灵活、放贷效率高为特点,市场生存能力不断增强,并逐渐跻身于正规商业银行等金融市场主体之列。但是其存在融资难、制度设计漏洞、放贷风险高等问题。文章研究认为,应该通过拓宽融资平台、完善制度建设、加强政策配套来推动我国小额贷款公司发展。
In recent years, as a new kind of financial organization, the micro-loan company has developed rapidly in our country. It features small registered capital, flexible operation mode and high lending efficiency, and its market viability has been gradually strengthened and gradually increased Among the main financial market such as regular commercial banks. However, there are problems such as financing difficulties, system design loopholes and high lending risk. The article believes that it is necessary to promote the development of China’s small loan companies by broadening the financing platform, improving the system construction and strengthening the policy support.