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在稳健货币政策背景下,作为新型的“草根”金融组织,小额贷款公司因其“方便、快捷、灵活”的特点迅速成长为信贷市场不可忽视的参与者。小额贷款公司是介于正规金融机构与民间借贷资本之间的一种尝试,在解决中小微企业融资难问题和完善农村金融市场发展中起着重要而积极的推动作用,但由于小额贷款公司的多重身份面临着法律地位不明确、资金来源匮乏、潜在风险严重、监管机制不健全等问题,小额贷款公司的可持续发展性也随之受到了正确引导和规范化的最新挑战。
Under the background of prudent monetary policy, as a new “grassroots” financial organization, the micro-loan company has rapidly grown into a non-negligible participant in the credit market because of its “convenience, speed and flexibility”. Microfinance companies, as an attempt to intervene between formal financial institutions and private borrowing capital, play an important and positive role in solving the financing difficulties of small and medium-sized enterprises and improving the development of rural financial markets. However, as microfinance The multiple identities of the Company are faced with the problems of unclear legal status, lack of funds, potential risks and inadequate regulatory mechanisms. The sustainable development of the microfinance companies is also being challenged by the correct guidance and standardization.