新监管环境下小额贷款公司的困境及对策研究

新监管环境下小额贷款公司的困境及对策研究摘要随着经济发展水平的提升，金融行业越来越多创新思路及产品走入人们的视线，内容形式逐渐丰富，发展势头愈加扩张，小额贷款公司在此种环境下应运而生，特别是在互联网经济迅猛攀升的今天，网络小额贷款作为一种新生的新型金融产物，正在慢慢融入社会生产和生活中。与此同时，在金融监管环境不断变化和完善的背景下，该种金融新生产物在成长过程中也出现了自身发展体系不完善、市场监管机制不健全等诸多问题，以至于不少小额贷款公司出现经营方式违法违规、破产歇业的现象，这不仅给行业整体风险控制增加压力，也影响了我国金融环境和市场。本文在国内外关于小额贷款公司发展研究的理论成果基础上，结合当前我国小额贷款业务监管环境及现状，围绕行业准入门槛变化、资金成本状况、贷款回收路径、区域条件制约和转型路径定位五个方面，探讨了小额贷款公司在新监管环境下的发展问题及困境，并上升到方法论研究，提出有针对性的解决策略，旨在为我国小额贷款公司的健康发展和金融市场监管机制的健全完善提供些许参考。关键词：金融监管；小额贷款；网络贷款；公司Research on the Plight and Countermeasures of MicrofinanceCompanies under the New Regulatory EnvironmentAbstractWith the improvement of the level of economic development,more and moreinnovative ideas and products in the financial industry have come into people's sight.Thecontent and form are gradually enriched and the development momentum is expanding.Microfinance companies came into being in this environment,especially today,with therapid rise of the Internet economy,online Microfinance,as a new financial product,It isslowly integrating into social production and life.At the same time,under the backgroundof the continuous change and improvement of the financial supervision environment,thisnew financial product also has many problems in the growth process,such as imperfectself-development system and imperfect market supervision mechanism,so that many smallloan companies have violated laws and regulations,went bankrupt and closed down,whichnot only increases the pressure on the overall risk control of the industry,It has alsoaffected China's financial environment and market.Based on the theoretical results of theresearch on the development of Microfinance companies at home and abroad,combinedwith the current regulatory environment and current situation of Microfinance business inChina,this paper discusses the development problems and difficulties of Microfinancecompanies in the new regulatory environment from five aspects:the change of industryaccess threshold,capital cost,loan recovery path,regional condition constraints andtransformation path positioning,And rise to methodological research and put forwardtargeted solutions,in order to provide some reference for the healthy development ofMicrofinance companies and the improvement of financial market supervision mechanism.Key Words:Financial Regulation:Microfinance:Internet Loan:CompanyII-目录摘要Abstract..一、绪论…1(一)研究背景….1(二)研究目的及意义…1(三)研究思路与研究内容.2(四)研究方法与创新之处…21.研究方法...22.研究创新之处…3二、理论基础与研究综述…4(一)小额贷款公司的概述……41.小额贷款公司的起源42.小额贷款公司的特征….4(二)理论基础…5(三)小额贷款监管的研究综述...61.我国金融监管环境的变化历程.62.小额贷款监管的研究综述.6三、我国小额贷款公司监管现状…。(一)严控资金来源。.8(二)规范业务范围….8(三)限定贷款利率(四)保障退出机制.9(五)依法依规处罚..9四、新监管环境小额贷款公司的发展困境.…10(一)准入门槛提高导致中小小额贷款公司退出…10(二)区域限制导致业务扩张能力下降..10(三)未能自主利率定价导致资金成本过高.….10(四)贷款回收质量参差不齐….11(五)转型路径不完普….11五、新监管环境下小额贷款公司的发展对策.…12(一)规范运营管理机制，提升员工业务素养…12-III(二)配合政策引导，提升业务水平..12(三)创新方式，扩宽资金来源渠道.12(四)增强法律合规意识，提升抗风险能力.…13(五)锁定目标客户，助力企业转型.13参考文献.15IV