小额贷款公司的现状与发展方向探析

本科论文摘 要2005 年在政府相关政策的鼓励和扶持下，小额贷款公司正式在国内开展试点，随后在全国范围内迅速普及和发展，截止到 2010 年小额贷款公司基本实现全国覆盖且得到了一致的良好反响。然而从 2016 年开始，受经济形势等方面因素的影响，我们注意到小额贷款公司在机构数量，贷款余额等方面出现了不同程度的下降 ,这充分证明当前国内小额贷款公司在发展过程中出现了诸多问题。在此背景下，本文将以山东省小额贷款公司为例，在对有关小额贷款公司中外文献研究的基础上，梳理总结小额贷款公司的发展现状，探讨归纳小额贷款公司的风险防范机制。然后，分析当前最受关注的小额贷款公司发展面临的主要问题，在总结当前小额贷款公司面临困境的基础上优化风险规避体系，并提出合理化建议。关键字：小额贷款公司，监管制度，山东省本科论文AbstractIn 2005, with the encouragement and support of relevant government policies, microfinance companies officially launched pilot projects in China. With the rapid popularization and development throughout the country, as of 2010, micro-credit has basically achieved nationwide coverage and received a consistent good response. However, since 2016, due to the impact of the economic situation and other aspects, we have noticed that micro-loan companies have declined to varying degrees in terms of the number of institutions and loan balances. This fully proves that the current domestic micro-loan companies have emerged during the development process. Many problems. This article analyzes and summarizes the problems and bottlenecks encountered during the development of microfinance companies at this stage through the understanding and investigation of current domestic microfinance companies and the actual situation of microfinance companies in Shandong Province. The company further explored the problem of risk avoidance, put forward reasonable suggestions on the basis of summarizing the current difficulties faced by microfinance c...