小额贷款公司实现农村金融可持续供给的思考

小额贷款公司自2005年试点以来迅速发展,在推动农村金融改革与创新、遏制民间非法借贷、增加农村金融供给缓解农民和农村中小企业贷款难等方面发挥了十分重要的积极作用,同时面临资金不足、税负过重、监管不规范和偏离初衷等影响可持续发展的瓶颈问题。需要立法规范并确认小额贷款公司的身份及地位,创造公司发展的良好的法律环境;政府加大对小额贷款公司在金融维权、税收优惠等方面的政策扶持力度,营造优良的金融市场环境,同时加强日常监管,防范公司运营风险,确保实现经济效益和社会效益双赢;小额贷款公司应增强融资能力,通过相互资金拆借、吸收转贷款、批发贷款以及开设吸储业务等多种方式开辟新的融资渠道,保证公司运营资金充足,并建立完善的内部控制体系,加大对员工的职业道德教育和业务技能培训,促进公司健康发展。

A Ponder on Small-loan Companies and Sustainable Rural Financial Supply

Since the pilot started in 2005,small-loan companies have made a rapid development.They play a very important and positive role in promoting rural financial reform and innovation,curbing folk illegal loaning activities,increasing supply of rural finance and alleviating the loan shortage of farmers and rural medium-and-small-sized enterprises.Meanwhile,however,the small-loan companies are faced with such bottleneck problems as lack of fund,heavy tax burden,irregular supervision and administration and deviation from the original intention,which have all produced negative effects on the sustainable development of the small-loan companies.So legislation is needed to regulate and verify the identity and status of the small-loan companies and create a favorable legal environment for the development of the small-loan companies.Governments are suggested to provide the small-loan companies with a greater policy support in financial right protection,tax privileges,etc,create a good financial market environment,strengthen daily supervision and administration,protect the small-loan companies from financial risks and make it sure that the small-loan companies realize both economic and social benefits.And the small-loan companies are suggested to improve their financing capacity,open up new financing channels by lending and borrowing fund within banks,absorbing transfer loans,making wholesale loans and opening funds absorbing businesses to make it sure that they have adequate operating capital,establish a complete internal control system,strengthen the employees training in both professional ethics and job skill to promote the healthy development of the small-loan companies.