对小额贷款公司经营发展情况的调查分析——以石家庄市为例

自国家开展小额贷款公司试点以来，小额贷款公司凭借“比民间借贷利率更低，比银行贷款手续更快”的优势赢得了客户的青睐，得到了快速发展，并在一定程度上缓解了金融机构信贷资金供给不足与中小企业和农村不断上升的信贷需求之间的矛盾。但作为介于正规金融与民间借贷之间的一种尝试，其存在的问题也不容忽视。为使小额贷款公司沿着健康、可持续的轨道发展，引导小额贷款行业在规范中不断成长壮大，为社会提供更多更好的金融服务，本文首先介绍了小额贷款公司的概念；进而通过对石家庄市的25家小额贷款公司的调查，利用其2010年的财务报表中的相关数据，从贷款结构入手对2013年的经营情况进行了总结；最后，探讨了小额贷款利率的确定问题并对公司的经营效益及其影响因素进行了实证分析评价。希望能对今后小额贷款公司的发展起到一定的借鉴作用。

关键词：小额贷款公司；发展现状；利率；绩效评价

micro-credit companies
  ——with the case study of Shijiazhuang
ABSTRACT

Since the government began to launch the pilot project, micro-credit companies, which have advantages of “lower interest rate than private lending, much faster than bank lending procedures”, have won the favor of customers and obtained rapid development. Meanwhile, they has alleviated contradicts between the inadequate supply of credit funds for SMEs from financial institutions and the rising demand for credit in rural areas. But as an attempt between the formal financial and the private lending, micro-credit company exposes some problems that cannot be ignored. In order to guarantee healthy and sustainable development, guiding the micro-credit field to continue growing and providing more and better financial services, this paper first introduces the concept of micro-credit company; then summarizes in term of operating conditions from the angle of loan structure, through the investigation of 25 micro-credit companies in Shijiazhuang, utilizing the relevant data from financial statements of 2010; finally, discusses the determination of micro-lending rate and make empirical analysis of the company's operating efficiency and influencing factors. I hope this article can provide a certain reference to the development of the micro-credit companies in the future.

Keywords: Micro-credit companies; Current conditions; Interest rates; Performance evaluation

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