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1、論文題目：金融性財(cái)務(wù)公司小額貸款監(jiān)管體系研究專業(yè)：技術(shù)經(jīng)濟(jì)及管理碩士生：朱新玲（簽名）指導(dǎo)教師：劉福民（簽名）摘要作為小額貸款主體的中小企業(yè)是推動(dòng)國(guó)民經(jīng)濟(jì)發(fā)展，構(gòu)造市場(chǎng)經(jīng)濟(jì)主體，促進(jìn)社會(huì)穩(wěn)定的基礎(chǔ)力量。特別是當(dāng)前，在確保國(guó)民經(jīng)濟(jì)適度增長(zhǎng)、緩解就業(yè)壓力、實(shí)現(xiàn)科教興國(guó)、優(yōu)化經(jīng)濟(jì)結(jié)構(gòu)等方面，均發(fā)揮著越來(lái)越重要的作用。但是因?yàn)橹行∑髽I(yè)的信用水平存在很大的不確定性，且缺少抵押品，所以導(dǎo)致它們?nèi)谫Y困難，難以從銀行獲取貸款,這已經(jīng)成為制約中小企業(yè)健康發(fā)展的瓶頸。近幾年來(lái)金融性財(cái)務(wù)公司快速發(fā)展，為中小企業(yè)提供了融資渠道，有效緩解了中小企業(yè)融資難問(wèn)題，促進(jìn)了中小企業(yè)平穩(wěn)健康發(fā)展
2、。本文通過(guò)小額貸款的相關(guān)理論綜述，分析總結(jié)了國(guó)外小額貸款的成功模式及基本經(jīng)驗(yàn)。通過(guò)我國(guó)金融性財(cái)務(wù)公司小額貸款現(xiàn)狀問(wèn)題的分析，分析了我國(guó)小額貸款的現(xiàn)狀、發(fā)展趨勢(shì)及其存在的問(wèn)題，針對(duì)我國(guó)小額貸款存在的問(wèn)題，結(jié)合中小企業(yè)融資難的現(xiàn)狀及其融資特點(diǎn)，提出金融性財(cái)務(wù)公司小額貸款監(jiān)管體系構(gòu)建的原因。通過(guò)金融性財(cái)務(wù)公司小額貸款監(jiān)管體系的構(gòu)建，設(shè)計(jì)小額貸款監(jiān)管體系構(gòu)建的總體思路，在此基礎(chǔ)上圍繞小額貸款的貸前審查、貸后監(jiān)管、貸款回收對(duì)小額監(jiān)管體系進(jìn)行構(gòu)建。最后結(jié)合我國(guó)的國(guó)情提出相關(guān)的支持小額貸款發(fā)展的政策環(huán)境，對(duì)金融性財(cái)務(wù)公司提供特定制度安排和政策支持以及優(yōu)化融資環(huán)境的建議。關(guān)鍵
3、詞：金融性財(cái)務(wù)公司；小額貸款；監(jiān)管體系研究類型：應(yīng)用研究Subject:StudyonMicrofinanceSupervisionSystemofFinancialFinancialCompanySpecialty:TechnologyEconomyandManagementName:ZhuXinling(Signature)Instructor:LiuFumin(Signature)ABSTRACTAsthemainbodyofmicrofinancetosmallandmedium-sizedenterprisesarepromotingnational
4、economicdevelopment,structuringmarketeconomymainbody,promotingsocialstabilityfoundationstrength.Especiallyatpresent,toensuremoderategrowth,relieveemploymentpressure,realizenationaleconomy,optimizingtheeconomicstructure,relyingonscienceandeducation,etc.,smallandmedium-sizedenterprise
5、sareplayinganincreasinglyimportantrole.Butbecausesmallandmedium-sizedenterprise'screditlevelhavealotofuncertainty,andtheylackofcollateral,whichleadtheirfinancingdifficulties,theyaredifficulttogetloansfromthebank,ithasbecomeabottleneckwhichrestrictsthehealthydevelopmentofsmallandmedi
6、um-sizedenterprises.InrecentyearsFinancialfinancialcompanieshaverapiddevelopment,andprovidethefinancingchannelsforsmallandmediumenterprises,effectivelyrelievethesmallandmedium-sizedenterprisefinancingdifficultproblems,promotethesteadyandhealthydevelopmentofsmallandmedium-sizedenterp
7、rise.Thisdissertationbymicrofinancerelatedtheoriesoverview,analysissummedupthesuccessofforeignmicrofinancemodeandbasicexperience.ThroughmicrofinancefinancialfinancialcompaniesinChinapresentsituationanalysisoftheproblems,analyzesthecurrentsituationofmicrofinanceinChina,developmenttre
8、ndandexistingproble
