XX小额贷款公司可持续发展研究.doc

本科生毕业论文（设计） 题目：XX小额贷款公司可持续发展研究 院 （系） 经济与管理学院 专 业 班 级 财务管理1班 学 生 姓 名 指导教师（职称）胡爱君（副教授）、张亚晴 论 文 提交 时间 二〇一四年五月 乡宁县XX小额贷款公司可持续发展研究 摘 要：目前我国农村金融体系发展滞后，从农村金融的供需现状看，供给短缺是农村金融问题的集中表现。因此，探索一种新的引导民间资本为“三农”服务的新型融资模式、深化和完善农村金融体制改革便成为必然。XX小额贷款公司作为农村金融非常有效的一种模式应运而生，它对于推进新农村建设、改善农村地区中小企业的金融服务、完善农村金融服务体系等均具有深远意义。商业性XX小额贷款公司是我国近几年正式成立的，不能吸收公众存款，只能经营贷款业务的新型机构，是我国农村金融制度的一项重要创新举措。 本文以XX小额贷款公司为研究对象，分析该公司小额贷款业务发展的现状，发现该公司自成立以来，发展良好，贷款量不断增加，但是在发展过程中，也存在资金方面、风险方面、公司监管方面等问题，制约了它的可持续性。通过研究总结公司面临的困境及原因，论文中提出了增资扩股、强化内控机制、健全监管体制等一些促进公司发展的对策建议，对乡宁县XX小额贷款公司的发展有着借鉴意义。 关键词：小额贷款；公司；可持续发展 Xiangning microfinance company sustainable development research Xue Na （Economic and Management, AnKang University, AnKang, ShanXi, 725000） bstract:At present, the development of rural financial system lags behind, and from the rural financial supply and demand situation, supply is a concentrated manifestation of rural financial problems. Therefore, to explore a new guide private capital to serve three agriculture the new financing mode, deepen and improve the rural financial system reform has become inevitable. Small loan company as a very effective rural finance mode arises at the historic moment, it to improve the farmers income, promoting the construction of new countryside, improve the rural small and medium-sized enterprise financial services, improve the rural financial service system and so on all have far-reaching significance. Commercial microfinance company was formally established in recent years in China, cant absorb public deposits, can only be a kind of new business loan business mechanism, is an important innovation of rural financial system in China. In Xiangning Xinde small loan companies as the research object, analyzes the present situation of the small loans business development, Found that the company since its inception, a good development, increasing the loan amount, but in the development process, there are funds, risk, c