摘要
武汉市小额贷款公司自2008年底试点以来平稳快速发展,规模和实力不断提升,业务经营总体平稳,风险外溢性小,充分发挥了为"三农"、小微企业等弱势群体融资的功能。但与此同时也面临着制度瓶颈有待突破、扶持政策不健全,小额贷款公司自身短板突出、传统业务经营模式不可持续,行业竞争加剧、抗风险能力下降等因素制约。小额贷款公司要实现可持续发展,一方面,需要进一步优化扶持政策、完善监管服务,为小额贷款公司经营"松绑",推动其转型发展;另一方面,小额贷款公司自身亟须练好"内功",顺应时代发展趋势,探索基于互联网和大数据等金融科技的商业模式创新,更好地为草根和弱势群体提供差异化的融资服务,打通普惠金融"最后一百米"。
Wuhan has conducted experiment on small-loan companies since 2008 and has seen their steady and fast development,continued increase in scale and strength,and stable business operation with only little risk spillovers.The companies’financing function has adequately supported the disadvantaged agriculture,rural areas,farmers,small and micro businesses.Their development,however,is also faced with problems that include institutional bottlenecks,immature governmental supportive policies,their own weak points,unsustainable old-fashioned business mode,intensified competition,and declined risk-resistant abilities.A sustainable development of small-loan businesses,therefore,needs the government to optimize its supportive policies and improve its regulatory services to promote their transformation.The companies themselves must also upgrade their management and operation to keep abreast with the times.They must learn to innovate their businesses based on the Internet and big data technologies.Their development relies on a better differentiated financing service for the grassroots and disadvantaged groups,letting the inclusive finance reach the“last hundred meters”.
出处
《江汉大学学报（社会科学版）》
2018年第5期65-75,126,共12页
Journal of Jianghan University(Social Science Edition)
关键词
小额贷款公司
持续发展
转型
扶持政策
small-loan companies
sustainable development
transformation
supportive policy
