Research On The Financing Method Of Small Loan Companies In China

With the deepening of financial reform and innovation in recent years,the small loan companies show explosive growth,and small Loan Company as a new type of financial institutions can make up for the money supply in the service of small micro enterprise finance.But at the present stage,small loan companies generally suffer from overweight tax burden,limited financing,and the unknown transformation direction.A lot of small loan companies has almost "no rice to cook" after the capital been issued.The bottlenecks of funds not only affects the development of the small loan company,and influence the small loan company earnings,but also affect small micro enterprise development.Therefore,how to effectively innovative microfiinance company financing channels,raise the level of leverage and improve returns on capital,has become the key to the sustainable development of local micro finance industry.This study first introduced the background for financing channels of small loans company,significance of the research,the research object and contents,and the possible innovation and deficiency.Then the study presents the concept of small loan companies and finance related research.Hereafter the study analyzes the small loan companies face financing difficulties,and lists some innovative financing policy and means.And then the study will introduce Nanjing microfinance development and policy to encourage the development of small loan the company.Thereafter the study will analyze the small loan company research in Nanjing area,including analysis of the development situation,the condition and cost of actual financing,comparison of financing choices,and case analysis,proposed comprehensive financing constraints faced by small loans company.Finally the paper will put forward advices on solving the financing problem of small loan companies,on the basis of in-depth analysis of affecting factors of financing.