Small Loan Companies Financing Research In Qinghai Province

Small loan company is between Internet finance and big bank representative inclusive finance financial institutions,it provides financial services for small and micro enterprise,individual industrial and commercial households.But in recent years,along with the economic downward pressure,poor financing and other factors,small loan companies arrested development is obvious.By the end of 2016,about 8673 small loan companies across the country,the loan balance of 927.3 billion yuan,are less than the same period in 2015,after two years of decline.At the same time,some small loan company in the process of its development,risk prevention and control measures were in place,illegal financing,eventually closed because of the problems exposed.Qinghai Province is located in the northwest,with vast land,inclusive finance function of financial institutions should be more play,in order to extend financial services to more masse's life.Small loan companies,with its loan characteristics such as high efficiency,easy process has become an important part of inclusive finance system of Qinghai Province,and played a supporting role to the "agriculture,rural development and farmers" and the small micro enterprises.But since the end of 2015,small loan company's loan balance is negative phenomenon in Qinghai Province,stagnant industry development.To do this,this article through the discuss ion of small loan companies financing problem in Qinghai Province,combined with the national innovation system,financing mode and the reference of foreign successful microfinance institutions,put forward in the light of the analysis and suggestion of small loan industry financing in Qinghai Province,hope to provide certain reference for the relevant practitioners and government departments,in order to support the sustainable development of small loan companies in Qinghai Province and to deepen and carry out the work of inclusive finance.