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我国小额贷款公司从无到有,取得了相当快速的增长和发展。本文以南充美兴小额贷款公司为代表展开调查和研究。本课题主要是采用问卷调查和现场访问的形式,收集第一手资料,以SWOT分析为主要研究方法,拟通过对全国首家全外资小额贷款公司——南充美兴贷款公司在运作模式、资金监管、业务状况、资金供应等方面展开深入全面的调查,揭示小额信贷公司试点中存在的一些问题,透析小额信贷公司发展的有利因素和制约其可持续发展的不利因素,并针对这些问题和不利因素提出相应的建议,以利于实现商业性小额信贷的可持续发展,引导农村金融创新,为小额贷款公司在全国范围的推广提供参考。
China’s small loan companies have enjoyed rapid growth and development from scratch. In this paper, Nanchong Mei Hing small loan company as the representative to conduct investigations and studies. This subject mainly uses the form of questionnaire survey and on-the-spot interview, collects the first-hand information and takes SWOT analysis as the main research method. It is proposed that the Company, through the operation mode, Financial supervision, business conditions, the supply of funds and other aspects of a comprehensive and in-depth investigation to reveal some of the problems in the pilot micro-credit company, dialysis the development of microfinance companies favorable factors and constraints of its sustainable development unfavorable factors, and for these Problems and unfavorable factors to put forward corresponding suggestions to facilitate the sustainable development of commercial microfinance and to guide rural financial innovation so as to provide a reference for the microcredit company to promote nationwide.