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农村小额贷款公司营运成效与发展方略:以山东省为例

作  者:
王家传;冯林
单  位:
山东经济学院
关键词:
小额贷款公司;营运成效;发展方略;制度建设;民营银行
摘  要:
本文对山东省辖内小额贷款公司的问卷与实地调查表明,小额贷款公司经营现状良好,农村金融"增量"改革效果显现;信贷产品特色鲜明,市场空间广阔;资金来源渠道狭窄而"做大"愿望强烈;改制意愿强烈但路径依然模糊。在深入剖析其营运成效与改制困惑的基础上,从制度建设层面提出了该类公司的发展方略:把握定位,突出特色;积极改善与优化营运环境;建立健全公司治理制度;明确公司属性,理顺管理体制;落实银监会相关文件为其预设的发展目标,择机改制试点;科学探索小额贷款公司改制为小型金融机构的多种路径。
译  名:
Operation Effectiveness and Development Strategy of Small-loan Company:Case of Shandong Province
作  者:
WANG Jiachuan and FENG Lin
摘  要:
Through the investigation in small-loan companies opened in Shandong Province,it is concluded that small-loan companies have a good operating status,the results of "incremental" reform is beginning to show;its credit products have distinctive characteristics,and also have a broad market space;Although there are narrow channels of funding sources,but have a strong desire to "big",although a strong transition will but vague transition path.Based on in-depth analysis of its operation effectiveness and confusions,we proposed the development strategy from the level of system construction: Grasp the orientation,extrude the characteristic;Improve and optimize the operating environment actively;Establish and improve the management of company;Clear company attributes,rationalize the management structure;Eexplore a variety of restructuring path of small-loan company to small financial institutions scientifically.

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