新监管环境下小额贷款公司的困境及对策研究ResearchonthePlightandCountermeasuresofMicrofinanceCompaniesundertheNewRegulatoryEnvironment摘要随着经济发展水平的提升，金融行业越来越多创新思路及产品走入人们的视线，内容形式逐渐丰富，发展势头愈加扩张，小额贷款公司在此种环境下应运而生，特别是在互联网经济迅猛攀升的今天，网络小额贷款作为一种新生的新型金融产物，正在慢慢融入社会生产和生活中。与此同时，在金融监管环境不断变化和完善的背景下，该种金融新生产物在成长过程中也出现了自身发展体系不完善、市场监管机制不健全等诸多问题，以至于不少小额贷款公司出现经营方式违法违规、破产歇业的现象，这不仅给行业整体风险控制增加压力，也影响了我国金融环境和市场。本文在国内外关于小额贷款公司发展研究的理论成果基础上，结合当前我国小额贷款业务监管环境及现状，围绕行业准入门槛变化、资金成本状况、贷款回收路径、区域条件制约和转型路径定位五个方面，探讨了小额贷款公司在新监管环境下的发展问题及困境，并上升到方法论研究，提出有针对性的解决策略，旨在为我国小额贷款公司的健康发展和金融市场监管机制的健全完善提供些许参考。关键词：金融监管；小额贷款；网络贷款；公司ResearchonthePlightandCountermeasuresofMicrofinanceCompaniesundertheNewRegulatoryEnvironmentAbstractWiththeimprovementofthelevelofeconomicdevelopment,moreandmoreinnovativeideasandproductsinthefinancialindustryhavecomeintopeople'ssight.Thecontentandformaregraduallyenrichedandthedevelopmentmomentumisexpanding.Microfinancecompaniescameintobeinginthisenvironment,especiallytoday,withtherapidriseoftheInterneteconomy,onlineMicrofinance,asanewfinancialproduct,Itisslowlyintegratingintosocialproductionandlife.Atthesametime,underthebackgroundofthecontinuouschangeandimprovementofthefinancialsupervisionenvironment,thisnewfinancialproductalsohasmanyproblemsinthegrowthprocess,suchasimperfectself-developmentsystemandimperfectmarketsupervisionmechanism,sothatmanysmallloancompanieshaveviolatedlawsandregulations,wentbankruptandcloseddown,whichnotonlyincreasesthepressureontheoverallriskcontroloftheindustry,IthasalsoaffectedChina'sfinancialenvironmentandmarket.BasedonthetheoreticalresultsoftheresearchonthedevelopmentofMicrofinancecompaniesathomeandabroad,combinedwiththecurrentregulatoryenvironmentandcurrentsituationofMicrofinancebusinessinChina,thispaperdiscussesthedevelopmentproblemsanddifficultiesofMicrofinancecompaniesinthenewregulatoryenvironmentfromfiveaspects:thechangeofindustryaccessthreshold,capitalcost,loanrecoverypath,regionalconditionconstraintsandtransformationpathpositioning,Andrisetomethodologicalresearchandputforwardtargetedsolutions,inordertoprovidesomereferenceforthehealthydevelopmentofMicrofinancecompaniesandtheimprovementoffinancialmarketsupervisionmechanism.KeyWords：FinancialRegulation；Microfinance；InternetLoan；Company目录摘要...................................................................................................................................IAbstract................................................................................................................................II一、绪论..............................................................................................................................1（一）研究背景...........................................................................................................1（二）研究目的及意义...............................................................................................1（三...
