摘要
基于2008～2011年浙江小额贷款公司发展数据,分别从省总体和各地级市层面对机构扩张和信贷服务情况进行了统计分析。浙江小额贷款公司的机构扩张主要体现为机构数量的增加和机构实收资本额的提高,且创新机构特色。信贷服务的能力较强,贷款的期限结构、产业结构及"支农支小"情况趋于优化和改善,信贷盈利能力不断提高。但是,浙江小额贷款公司发展存在区域不平衡、单笔额度趋大、利率水平趋高、资产质量趋降等问题,需要做好机构发展规划、实施差别化扶持政策、有效提高融资比例和创新业务等,以增加盈利来源,降低经营风险,实现政策初衷。
The paper statistically analyze the institution expansion and credit service of small loan company in Zhejiang, respectively from the province and prefectural- level city during the year 2008 -2011. Zhejiang small loan company＇ s institution expansion mainly embodies the increase of the agency number and institution paid - in capital. The small loan company tends to improve credit profitability, the ability of credit service, term structure, industrial structure, and ＂support agriculture and support small＂ of the credit. However, the development of small loan company exists regional imbalances, single larger loan, the increasingly high level of interest rates, asset qual- ity deterioration. The government should pay attention to the institution development plan, effectively improving the financing ratio and innovative business to increase earnings sources, reducing risk and achieve policy mind.
出处
《经济问题》
CSSCI
北大核心
2013年第3期60-64,共5页
On Economic Problems
基金
2010年浙江省科技厅软科学重点项目"小额贷款公司可持续发展研究"(2010C25031)阶段性研究成果
关键词
小额贷款公司
机构扩张
信贷服务
浙江
small loan company
institution expansion
credit service
Zhejiang
