目 录摘 要....................................................................................................................IAbstract.....................................................................................................................II引 言...................................................................................................................11 贵州富融通小额贷款公司现状............................................................................31.1 贵州省小额贷款公司的概况.......................................................................31.2 贵州富融通公司业务模式现状...................................................................31.3 贵州富融通公司风险控模式现状..............................................................32 贵州富融通小额贷款公司存在的问题分析.......................................................42.1 运营成本高,人才匮乏..................................................................................42.2 业务模式单一,运作不规范.......................................................................42.3 信息落后,不能及时信息共享...................................................................42.4 缺乏监督管理,融资困难...........................................................................53 针对贵州富融通小额贷款公司提出的优化方案...............................................63.1 降低人力成本,加强人才输送...................................................................63.2 开发新业务,规范经营...............................................................................63.3 完善风控机制...............................................................................................73.4 监管加强,拓宽渠道...................................................................................7结 论.......................................................................................................................9参考文献.................................................................