摘要
小额贷款公司与商业银行相比,在金融交易成本及利率方面有一定的优势;与地下金融相比,有合法性的优点,但由于试点期间不能吸储的规定,使小额贷款公司一旦成立就遭遇资金困境。如何制订各项有利的政策及配套措施,使小额贷款公司真正成为中小企业的融资主渠道是当前所要研究的问题之一。
Compared with the commercial bank, the petty loan company has some advantages in financial transaction cost and profit rate. Compared with the underground finance, it has the advantage of being legal. But because of the regulation that it is not allowed for the petty loan company to attract deposits during its trial operation, it meets with a difficult situation as soon as it is set up. How to formulate favorable policies and complete with corresponding measures in order to enable the petty loan company become truly the major financing channel for medium-sized and small enterprises is a problem that needs study at present.
出处
《浙江树人大学学报》
2009年第2期75-77,共3页
Journal of Zhejiang Shuren University
关键词
小额贷款公司
商业银行
民间金融
petty loan company
commercial bank
private finance
