摘要
小贷公司在发展普惠金融、弥补金融资源分布不均衡等方面发挥着重要作用。我国小贷公司在经历高速发展之后,普遍陷入经营困境。本文从宏观环境、法律地位、监管政策等角度分析其陷入经营困境的深层原因。小贷公司作为非吸储类放贷机构,按照实质重于形式原则,应还原其金融机构地位;在监管方面,应围绕政策目标,重构现有监管框架,采取非审慎监管原则,兼顾效率和公平,适度监管;小贷公司自身应持续加强企业能力、人才和品牌建设,打造小贷公司的核心竞争力。
Small loan companies play an important role in developing universe fmance and addressing the uneven distribution of financial resources. After experiencing high-speed development, China's small loan companies have generally encountered business difficulties. This article analyzes the reasons in terms of the macro-environment, legal status, and regulatory policy. Small loan companies are actually non-deposit taking lending institutions, so they should be given a financial institution status in accordance with the substance over form principle. In terms of regulation, the government should focus on the policy objectives, reconstruct the existing regulatory framework adopt the principle of non-prudential supervision, pay equal attention to efficiency and fairness, and exercise moderate oversight; small loan companies should continue to strengthen their own business capacity, talent and brand building, and cultivate core competitiveness.
出处
《学术前沿》
CSSCI
2017年第15期138-141,共4页
Frontiers
关键词
小贷公司
普惠金融
可持续发展
Small loan company, Universe finance, Sustainable development