Research On Financing Dilemma And Countermeasures Of Small Loan Company Based On SWOT Theory

Since the 18 th National Congress of the CPC,the issues of poverty alleviation,inclusive finance and agriculture have been at the heart of the country's development strategy.As the backbone of supporting the development of small micro enterprises and providing financing for farmers and low-income people in cities and towns,the small loan companies provide a practical way to solve the financing problems of small micro enterprises in China.At the same time,due to the late start of small loan companies in China,there are many deficiencies in the development of small loan companies: such as irregular operation,lack of professional wind control,single financing channels,and so on,these problems have formed the consequences of blind lending by small loan companies,leading to the increase of bad loans and credit risk.Therefore,it is of practical significance to study how to solve the financing difficulties of microfinance companies and put forward relevant countermeasures.This paper analyzes the financing predicament of ZH microfinance company in Chongqing by using SWOT analysis and financing theory,combining literature research method,investigation research method and case study method.Its main findings are as follows:The first part is the background and significance of the research,the content of the research,the research methods used and the technical roadmap of the whole article.The second part reviews and combs the relevant research literature at home and abroad,and reviews the current research situation.The third part is the relevant theoretical basis,mainly divided into SWOT analysis theory and financing related theory;The fourth part is the financing model of foreign microfinance institutions,mainly summarizes the financing model of Grameen Village Bank in Bangladesh and Sunshine Bank in Bolivia,in order to learn from the experience,and make a reasonable reference according to China's National conditions.The fifth part is a review of the development of China's microfinance industry,and the second part is a summary of the main shareholders of China's microfinance companies additional capital investment,from the banks to obtain funds,entrusted funds,from the small refinancing companies to finance the four sources of financing.Finally,according to the financing channels,the paper puts forward the financing predicament of China with three aspects: lack of funds,imperfect risk warning mechanism and unbalanced regional development.The sixth part is to carry on the concrete case analysis to ZH company,first introduced the ZH company's basic situation,the business scope and the organization structure,the business situation and the basic flow,secondly ZH company exists the financing channel including to obtain the fund from the bank,accept the entrusted loan,carry on the inter-bank loan to carry on the general analysis.Finally,the advantages and disadvantages(SW analysis),opportunities and threats(OT)analysis,and internal and external whole analysis of ZH company are analyzed.Thn seventh part is based on the foreign financing model,the development of domestic industry and the SWOT analysis of ZH companies,the author concludes that the policies of our country are not perfect,the financing channel of ZH companies is narrow,the financing cost is high and the business model is too conservative.In view of the conclusion,this paper puts forward some general suggestions on financing,such as taking deposits,multi-channel financing,establishing a distinctive business model and wind control system,and improving the supporting facilities.This paper puts forward some specific countermeasures to expand the business scope,break through the regional limit,and the shareholders should bear the risk properly,and avoid excessive conservatism.