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“融资难”一直是制约我国中小企业发展的瓶颈,特别是在金融危机的背景下,这一问题尤为显现。作为小额信贷机构之一的小额贷款公司在当前经济背景下对缓解民企融资难题、稳定经济发展的作用不可忽视。目前对小额贷款公司的性质界定为普通公司,但其从事的业务却是“只贷不存”的金融类服务,这种“身份上”的缺失使其处于监管的半真空状态,为小额贷款公司未来发展增加了不确定因素,甚至影响其日后的转型。
“Financing Difficulties” has always been a bottleneck restricting the development of SMEs in our country. This problem is particularly evident in the context of the financial crisis. Microfinance companies, as one of the MFIs, can not neglect the role of alleviating the financing difficulties for private enterprises and stabilizing their economic development in the current economic context. At present, the definition of a microfinance company is defined as an ordinary company. However, the business it conducts is financial services that only allow loans to be borrowed. The absence of this “identity” makes it under the supervision of a semi-vacuum Status, adding uncertainty to the future development of microfinance companies and even affecting their future restructuring.