我国小额贷款公司转型发展分析

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1、万方数据较差的“内忧外患”的背景下，需要转变经营理念、建立管理制度、规范业务流程、提高人员专业性，并且在政策环境既定的情况下，思考如何转型。转型的目标就是要达到改变现有状态，降低经营风险，增加企业利润。转型具有两方面的含义，可以是主营业务发生改变，也可以是改变企业的业务经营模式。本文对我国小额贷款公司的转型就是从上述两方面进行思考，提出借鉴践行普惠金融的淡马锡微贷模式、申请民营银行、以及开展供应链金融三种选择，并对这三种转型在操作的可行性、优势等都进行了分析，部分还结合案例，并指出具体的转型选择要结合小额贷款公司所在地的经济情况、小额贷款公司的经营能力以及其经营理念。另外，本文也希望国

2、家金融相关部门，能够制定迸一步的行业政策和法律，规范我国小额信贷行业，使我国小额贷款公司能够更好的发挥对中小企业和三农的融资支持作用，促进小额贷款公司的健康发展。关键词：小额贷款；民营银行；供应链金融；普惠金融Ⅱ万方数据AbstractRecently,micro—financehasdevelopedinsharpspeedinourcountry,sincethegovernmentreducedtherestrictaboutprivatecapitalsenteringthesocialfinancialsystem，whichhelpedmanymicro—companies

3、andagriculturecompanieslackedofmoneytogetthroughtheirhardtime，infinanceinsistence．Butwearealsoawareofit，、析tlltheirsharpdevelopment,thattherearemanymicro-financecompaniescloseddownduetotheirbaddecisions，therearemanyobstaclesinthewayofmicro．financedevelopment，likelowoperatingability,lackofsupervis

4、ionandlittlefinancialsupplying．AstoOurmicro-finance，itwillbethechoicebetweenlifeanddeathabouthowtotakeeffectivemeasurestohelpOurmicro-financetogettransition．Themicro-finance’developmentinOurnation，ontheonehand，ithasgreatpotentialbecauseoftherearesomanymicro—companiesandagriculturecompaniesneedmo

5、neytooperate；ontheotherhand，itwouldalsobeabigchallengeformicro—financefortheirbadsurvivalenvironment．Thearticleisonthepointoftrueessenceaboutmicro—finance，谢thconsideringourspecialfmancesystem，andanalyzestheissue，inanorderofthemicro-financefunction，theproblemswearefacing，thenecessitytotakemeasure

6、stotransitandavailablechoicesfortransition．Andfinally,providesome‘‘individualsuggestionsfor—our-government-onhowtohelpOurmicro—fmancetoimplementtheirfmancefunctionsanddevelopbetterinfuture．Thearticleanalyzedtheessenceofmicro-financefirstly,pointedoutthat，asaneffectivewaytoprovidemoneytomanymicro

7、—fmancecompanies，micro—financeisakindofsupplementarytoOurfinancesystem．So，itmustoperateinareasonableway．Secondly,Ourgovemment’Spaceisveryslowaboutthesupportingpolicesonmicro-finance，whichcreatedanawfulenvironmentformicro—fin