The Dilemma And Countermeasures Of The Development Of Small Business Companies In

Small loans (Microfinance) generally point to farmers, low-income people, the human body industrial and commercial households, small and micro enterprises issued a small amount of loans. The establishment of small loan companies, will be part of the private idle funds to effectively focus, both to solve the problems of agriculture, agriculture, small and micro enterprises and other small and micro enterprises, but also regulate the private lending market.The rapid development of small loan companies in Hohhot has important significance for serving the "three rural" and small and micro enterprises, regulating and guiding the private lending and promoting the development of county economy. But can not be ignored is that small loan companies in the development process also encountered many problems and difficulties, has become a bottleneck restricting the further development of micro credit companies. These difficulties and problems from the national legal system design level, but also due to the social environment and its own business level, there is a national small loan companies have a common level, but also specific micro loan company personality level.This paper mainly takes the W micro credit company in Jinqiao Development Zone as the research object and research objectives, using empirical research method, normative analysis, literature research and historical analysis methods, etc., to combine theory and practice effectively, and to make a systematic study on the development of W micro credit company. In order to explore the operating status and operation procedures of W small loan companies, the author directly to the W and other small loan companies, such as field survey, collecting first-hand information, and more thorough grasp of the latest situation of small loan companies. Then contact the Inner Mongolia economic and social development plan strategy layout, small loan companies in the future of the relevant laws and policies, etc., and put forward effective countermeasures.The main content of this paper includes four chapters. The first chapter is an overview of W micro credit company. Mainly introduced the establishment of the W small loan company profile, the loan management mode and the loan business process, etc.. The loan business process includes the loan application and acceptance stage, the loan period, the loan review and approval stage, the loan contract signed with the loan payment and loan management and loan recovery. The second chapter is the analysis of the status quo and opportunities of W small loan company. Analysis of the present situation of management and the analysis of opportunities. Business status quo analysis of the content of risk control, interest rate pricing, loan term and customer source. The opportunity analysis of small loan companies is the analysis of policy and legal opportunity and the opportunity of economic development.