在规范中继续成长——小额贷款公司发展报告

2012年，小额贷款行业继续保持高速发展态势。各类机构依靠自身优势，竞逐小贷市场。继2011年上市公司参与小贷行业后，电商平台积极参与，充分利用自己的信息平台优势，打造供应链金融服务。与此同时，小贷公司继续服务于中小微企业，融资方式不断创新，为中小企业源源不断地输血。但不容忽视的是，2012年小额贷款行业问题逐渐显现，发展方向未定、征信系统接入困难以及待遇问题未有实质性解决。加之，监管日趋严格、竞争日益激烈、利润下降等问题，小额贷款行业未来的发展仍将面临挑战，甚至可能会出现高速扩张之后的“洗牌潮”和“退市潮”。

The Report on Micro Credit

Micro credit industry remained a high speed development in 2012. Many kinds of institutions rely on their own advantages to compete in micro credit industry. After listed companies take part in the industry, electronic business platform participate in positively and provide supply chain finance service by making use of their information platform advantage. Focused on financing small and medium - sized enterprises, micro credit companies have made many innovations. But there still are some obstacles for the further development, for example, the uncertainty of development direction, the difficulty in connecting credit reference system and the admission of their identity. In addition, increasingly strict regulation, increasingly fierce competition and profit decline have also challenged the future development of micro credit industry, which calls for more attention.