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小额贷款公司是由自然人、企业法人与其他社会组织投资设立,不吸收公众存款,经营小额贷款业务的有限责任公司或股份有限公司,是支持“三农”的新型农村金融机构。本文以民和县2家小额贷款公司为例,分析其发展现状,剖析存在的问题,并提出相应的政策建议。
The small loan company is a limited liability company or joint stock limited company invested by natural persons, corporate entities and other social organizations and does not absorb public deposits and operates the micro-loan business. It is a new type of rural financial institution that supports “three rural issues”. In this paper, two micro-lending companies in Minhe County are taken as an example to analyze the status quo of development, analyze the existing problems and put forward corresponding policy suggestions.