摘要相比于我国的其他省份，江苏省人均生产值、综合竞争力和人民生活指数首屈一指。随着我们综合发展水平的很高，中小微企业出现了融资难问题。为了解决这一问题，小额贷款公司迅速兴起。本文从江苏小额贷款公司的发展现状及特征入手。分析出江苏小额贷款公司具有重点服务“三农”，从业人员素质高，贷款成本较低，财政扶持力度大等四个特征。由于我国小额贷款公司的发展刚处于初级阶段，涌现出各种各样的问题，如市场定位不明确，小额特征不明显，小额贷款利率不断上升，贷款资金相对不足，风控系统不够完善，缺少监管机制等。最后根据这些具体的问题提出了相应的建议。主要包括：我们可以通过明确小额贷款公司的定位与原则来使他们不忘初衷；我们可以通过规范利率机制来解决小额贷款公司利率不断上升的问题;我们可以通过完善相关政策制度，拓宽融资渠道来解决贷款资金不足的问题；我们还可以通过成立互助担保制度，防空违约风险的方式来解决风控系统不够完善的问题。43406

毕业论文关键词：江苏省小额贷款；可持续发展；现状；问题；对策

The problems and countermeasures of Small loan company’s sustainable development in jiangsu province

Abstract

Compared to other provinces in China, Jiangsu Province,Per capita GDP in jiangsu province, the comprehensive competitiveness, regional development and people's livelihood index ranked among the top nationwide provinces, comprehensive development level is very high, the rapid development of small loan companies, to solve the problem of financing difficulties of small and medium-sized enterprises in jiangsu province has made a certain contribution. This article first expounds the present situation of small loan companies in jiangsu province; Then compared in detail, analyzes the main problems of small loan companies operating in jiangsu province. Through sorting out a series of data analysis, the Jiangsu small loan company has four characteristics, such as "three rural", high quality, low cost and large financial support. Finally puts forward the promoting countermeasures and Suggestions for the sustainable development of small loan companies in jiangsu province, mainly including: their own clear positioning and principles for the standard interest rate mechanism, improve the system of related policies, broaden the financing channels, to establish a perfect supervision system, perfect the relevant laws and regulations, set up mutual guarantee system, prevention and control the risk of default, etc.

Key Words: small loans in jiangsu province,  sustainable development,  the status quo,  problems and countermeasures.

目  录

摘要I

Abstract...Ⅱ

目录..Ⅲ

一、绪论 1

（一）研背究景..1

（二）研究目的.1（三）相关研究回顾..2

（四）本文研究框架..3

（五) 创新点3

二、江苏省小额贷款公司的发展现状及特征3

（一）江苏小额贷款公司的发展现状.3

（二）江苏小额贷款公司的发展特征4

三、江苏省小额贷款公司可持续经营中面临的主要问题5

（一）市场定位不明，贷款额度较高.5

（二）小额贷款利率不断呈较快速度上升.6

（三）政策限制，信贷资金来源相对不足...7

 (四）监管不明确.7

（五）风控系统不够完善..7

（六）产品单一..8

四、促进江苏省小额贷款公司可持续发展的对策建议..8

（一）明确自身定位和原则..8

（二）规范利率机制..9

（三）拓展融资渠道.9

（四）建立完善的监管制度，完善相关法律法规..10