本科论文摘 要 小额贷款公司作为主要面向农村、改善农村金融服务的新型经济组织，具有经营机制灵活的特点，贷款手续简便的特点，审批省时快捷的特点，对激活民间资本市场具有积极作用，对缓解农村资金短缺和解决融资难问题具有积极作用，对支持地方经济发展也具有积极作用。但由于尚处于成长初期，其自身经营和外部监管方面还存在诸多需要改进和完善的地方。本文根据小额贷款公司开展情况进行研究，首先对小额贷款的相关理论进行介绍，然后详细分析了小额贷款公司的发展阶段，发展现状，其次分析目前我国小额贷款公司在发展过程中存在的问题，比如，政策方面具有明显的局部性、区域性；对于规模较小的小额贷款公司法律限制较多；对于小额贷款公司的重要性认识程度低；小额贷款公司在治理结构方面有待完善。最后，在分析问题的基础之上提出具体建议，比如，明确小额贷款公司的法律地位；建立完善的小额贷款公司监督管理机制；提高对于小额贷款公司重要性的认识程度；加强小额贷款公司的制度建设，打造年轻化队伍。通过以上分析，旨在促进我国小额贷款公司的快速，稳定，健康发展。关键词：小额贷款公司，金融服务，发展现状，建议Abstract As a new type of economic organization mainly oriented to rural areas and improving rural financial services, microfinance companies have the characteristics of flexible operation mechanism, simple loan procedures, quick examination and approval of time and time, and have a positive effect on activating the private capital market. It has a positive effect on alleviating the shortage of rural funds and solving the problem of financing difficulties, and also has a positive effect on supporting local economic development. But because it is still in the early stage of growth, there are still many areas that need to be improved and perfected in its own management and external supervision. This article carries on the research according to the small loan company development situation, first carries on the introduction to the small loan related theory, then detailedly This paper analyzes...
