贷款中介公司发展面临的问题及对策研究.docxVIP

贷款中介公司发展面临的问题及对策研究 摘要：近年来，随着人们提前消费观念的普及，我国信贷市场规模不断壮大，贷款中介公司快速崛起。但是混乱的中介市场难以有效解决小微企业“融资难、融资贵的”问题，此外社会上出现的“代办无抵押、无担保贷款”、“不上征信、不看大数据”，“现金放款、资金雄厚、手续简单、信心保障”等大放厥词的中介广告也加剧了贷款市场的混乱。而在全面实现普惠金融和互联网金融时代下的今天，如何让传统贷款中介良性发展，推进我国社会经济建设发展，具有重大意义。 本文在国内外学者研究的基础上,通过分析我国信贷市场的发展状况和贷款中介公司存在的问题，对贷款中介公司存在的服务价值进行研究，并与佛山摩尔龙信息服务有限公司的公司制度作为参考对比，提出发展对策和建议。 关键词：贷款中介，信贷市场，普惠金融，服务价值 Research on the problems and Countermeasures in the development of loan intermediary companies Abstract:In recent years, with the popularization of peoples concept of early consumption, the scale of Chinas credit market is growing, and the loan intermediary companies are rising rapidly.But the chaotic intermediary market is difficult to effectively solve the problem of financing is difficult and expensive for small and micro enterprises. In addition, the intermediary advertisements of agency unsecured and unsecured loans, no credit reporting, no big data, cash lending, abundant funds, simple procedures, and confidence guarantee also aggravate the confusion of the loan market.Today in the era of inclusive finance and Internet finance, it is of great significance to realize the benign development of traditional loan intermediaries and promote Chinas social and economic development. Based on the research of domestic and foreign scholars, this paper studies the service value of loan intermediary companies by analyzing the development of Chinas credit market and the existing problems of loan intermediary companies.And compared with the system of Foshan moerlong Information services LTD company , put forward the development countermeasures and Suggestions. Keywords:Loan intermediaries, Credit market, Inclusive finance, Service value 目 录 TOC \o 1-3 \h \u 第1章 绪 论 7 1.1 研究的背景和研究意义 7 1.1.1 研究的背景 7 1.1.2 研究的意义 7 1.2 国内外研究现状 8 1.2.1 国内研究现状 8 1.2.2 国外研究现状 8 1.3 研究方法 9 第2章 贷款市场概述 10 2.1 贷款市场的含义和特征 10 2.1.1 贷款市场的含义 10 2.1.2 贷款市场的特征 10 2.2 贷款中介公司的含义和特征 11 2.2.1 贷款中介公司的含义 11 2.2.2 贷款中介公司