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当前村镇银行、小额贷款公司和资金互助社已在全国各地呈燎原之势。从发展进程看,其主要分成三个层次。一是发展中国家试行的福利主义小额信贷组织;二是追求收入弥补成本,实现机构的可持续发展;三是追求商业渠道资金,实现赢利,达到财务上的可持续。鉴于小额贷款公司在运作模式、组织形式、资本规模、业务种类、服务对象、风险特征等方面与商业银行存在差异,现就其自身特点作以评价和研究。小额贷款作为缓解中小企业融资一、小额贷款公司的作用
Current village and town banks, small loan companies and mutual funds have shown a prairie fire in all parts of the country. Judging from the development process, it is mainly divided into three levels. First, the pilot microfinance organizations in developing countries; the second is to seek revenue to make up for costs and achieve the sustainable development of institutions; third is the pursuit of commercial channels of funds to achieve profitability, to achieve financial sustainability. In view of the differences between commercial banks and commercial banks in their operating modes, organizational forms, capital scales, business types, clients and risk characteristics, the small loan companies are now evaluating and researching their own characteristics. Microfinance as a solution to SME financing, the role of a small loan company