小额贷款公司的发展,为中小企业解决融资难的问题提供了切实有效的资金
来源,为“三农问题”的解决创造了有利条件。但就企业逐利性的本质而言,中
小企业内部管理混乱,导致乱收服务费和管理费的现象屡见不鲜。小额贷款公司
的发展速度过快,随着市场化的深入不断暴露出潜在的问题。小额贷款公司的门
槛较低,其发放的单笔贷款的金额通常较大,而且与“三农”方面相关的贷款比
重较低,与其原来的分散性原则有着较大的出入。另外,小额贷款公司的资金来
源是股东筹集的而非公众的,存在不确定性,经营业务、经营区域都受到一定的
限制。小额贷款公司未来的发展被多种内在的和外在的因素制约着。本文以HY
小额贷款公司为例,在借鉴国内外众多知名学者的研宄理论和成果的基础上,综
合运用小额贷款公司发展理论与业务理论对国内外小额贷款业务发展模式进行一
个简单的评述,并从我国小额贷款公司发展的普适性引申至云南小额贷款公司的
发展模式,分析了 HY小额贷款公司在经营发展过程存在的问题,并针对这些问
题提出相应的建议,对我国小额贷款公司改进缺陷和调整经营战略有着重要的借
鉴作用。
关键词:HY小额贷款公司,中小企业,发展建议
I
YUNNAN HY SMALL LOAN COMPANY'S BUSINESS
DEVELOPMENT RESEARCH
ABSTRACT
The development of micro-credit Companies, providing companies a new way to
solve the difficult problem of effective ftmding sources ^ create favorable conditions for
solving the Aree problems. But in terms of the nature of corporate profit-driven
companies, internal management turmoil,resulting in arbitrary collection of service
charges and management fees are common occurrences. Micro-credit Companies'
development is too fast,as the market continues to expose the depth of potential
problems. Lower the threshold for small loan companies, the amount of its payment of a
single loan is generally larger,and lower the proportion of loans and three rural areas
related to their original dispersion principle have greater access. In addition,small loan
companies to raise funding shareholders rather than the public there is uncertainty,
business, business areas are subject to certain restrictions. In this paper, HY small loan
companies for example, drawing on theories and research achievements at home and
abroad many well-known scholars,based orx the integrated use of the assets and
liabilities of integrated risk management theory and principal-agent theory of domestic
and international micro finance business model of a simple comments,extended to
Yunnan universal model of development of small loan companies and from the
development of small loan companies,and analyzes the HY micro finance company
operating in the development process of the problems, and make recommendations to
address these issues,small loan companies to improve on our shortcomings and adjust
business strategy has an important reference.
KEY WORDS: HY MCCf Micro-credit Companies Development countermeasures
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