The Research And Development Of Products For Small Loan Company Of District Of Y

In our country, the petty loan company is based on the support of rural finance and SME development, optimizing the financial system edashaa and promoted by the government to the establishment of a new type of financial institution. Its business scope, especially banking financial system take small micro enterprise and "3farming", individual industrial and commercial household, currently only make small loans, unable to absorb deposits. As a financial innovation product, small loan companies, further expanding the non-bank financial organization, enrich the entire financial system. The petty loan company non banking financial institutions after the clear position, the petty loan company’s product development must obtain approval of the financial supervisory department. The status and function of government supervision, promoting small loan company product development has not been the majority of the attention of the company. The A province is actual examination shows, insurance agent, trust agent, bill discounting, transfer of assets and other new business pilot is only for better operating conditions, large minority small loan company. To a certain extent reflects, the petty loan company’s product development is not an enterprise’s independent behavior, at the same time, product breed is onefold, for Industry and enterprise development.This paper from the petty loan company’s product development angle to analyse and solve the present small loan company sustainable development status, the petty loan company research and development of products on schedule, to gradually resolve the petty loan company carries out business innovation, product development, and accelerating the advance of new pilot and a series of problems. In this paper, with small credit, financial product development and other related theories as the foundation, using the method of literature, case study method, SWOT matrix analysis method and logical analysis method of combining research methods, the Y area small loan company product development present situation and the question, in the environmental analysis and the successful cases on the basis of the analysis, the petty loan company product development strategy research, made clear market positioning, the differences in the implementation of the development, optimize loan products services, loan advance product innovation, strengthen talent team construction, optimization of the small loan companies developing ring six suggestions. The characteristic of this thesis is, draw lessons from domestic and international credit management theory, combined with the practice cases analysis, through loans to small companies to undertake SWOT is analysed, put forward the petty loan company product development countermeasure and proposal. The small loan company research and development of products to the level of theory, is the small loan of the supplement and perfect, for the small loan companies and other non-bank financial institutions have certain reference significance.