推动我国小额贷款公司可持续发展的政策取向

自2005年中国人民银行开展＂只贷不存＂商业性小额贷款公司试点,尤其是2006年银监会出台农村金融新政允许村镇银行等新型农村金融机构准入以来,小额贷款公司试点迅速推广到全国。在数量迅速增加的同时,对缓解＂三农＂和中小企业融资难题发挥了积极作用。然而,由于在制度设计、法律监管等方面的缺陷,小额贷款公司往往陷入＂无钱可贷＂或＂难以盈利＂等困境,面临严峻的可持续发展难题。在分析小额贷款公司发展的现状的基础上,剖析了其可持续发展面临的问题,并针对性地提出了政策建议。

The political Orientation of Promoting the Sustainable Development of Microcredit Companies

Since the People＇s Bank of China launched the project of Credit-only Commercial Microcredit Companies,especially when China Banking Regulatory Commission issued the new policy about rural finance to allow the admittance of village bank and other new-type rural finance institutions,the Microcredit Companies quickly spread all over the country.With the increasing of the number,Microcredit Companies play an important role in relieving the problems in agriculture,rural areas and farmers,and in the financing problem of SME.However,for the defects in the institution design and the regulations,MCCs always fall into the dilemma of ＂having no loanable money＂ or ＂being difficult to profit＂,which makes them face the difficulties in sustainable development.On the analysis of the present situation of the MCCs,we point out the problem in sustainable development,and propose the political suggestion.