Sustainable Development Of China’s Small Loan Company Strategy Research

The emergence of Chinese small loan companies is a beneficial supplement to Chinesefinancial services field.To a certain extent, it covers the gap of financial services that ourtraditional financial institutions offer to three rural issues and the healthy, stable and promotethe harmonious development of our society. First of all, as an agricultural country,china has apopulation of nearly seventy percent people are farmers, therefore, the economic developmentof agricultures rural areas and farmers is an important issue, which related to the nationaleconomy, people’s livelihood and social stability. In addition, Chinese small andmedium-sized enterprises are also the important basic parts of the economic development ofour country according to the statistic data of National ministry of commerce and industrynearly99percent of the total enterprises are small and medium-sized enterprises in ourcountry. They play an important role in adjusting the economic structure increasing taxrevenue, creating jobs, promoting the innovation of science and technology. It is extremelydue to the investment preference of traditional financial institutions, difficult to obtainfinancingFocusing on the necessity of Chinese small loan companies. Existence and development,the writer made a discourse analysis of Chinese small loan companies′present developmentsituation and future development trend, based on his personal working conditions. This paperincludes the following fine parts.The first chapter is introduction, mainly introducing the research background of thisarticle, the research purpose and meaning, domestic and foreign research literature review, theresearch ideas, basic framework, research methods and innovation of the writer.The second chapter is the analysis of Chinese small loan companies presentdevelopment situation and environment. It mainly introduces that according to the statistics ofthe people′s bank of China by June30,2013, small loan companies in China develop rapidlyin recent years. Besides, according to the2012competitiveness report of microfinanceinstitutions, the writer analyze the Chinese small loan companies development feature,andmake an introduction of the feature of Chinese small loan companies′basic operation business.Finally, he made an analysis of the market environment of Chinese small loan companiesbased on the aspects of politics, law, society, culture and market competition. marketenvironment was analyzed. This chapter is the introduction to basic knowledge of small loancompanies, which manifests that the microfinance companies play an important role inChinese economic activities.The third chapter is the causes and problems that affect the sustainable development ofChinese small loan company with reason, through analyzing both the internal and externalproblems. Internal problems are mainly lack of source of funds, lack of professional talents,product innovation, risk control risk more, etc.; Market orientation are the main externalproblems is not clear, the heavy taxes and fees, lack of legal protection, congenital regulationdifficult problems. Small loans are mainly introduced in this chapter the company one of themain problems in the current financial environment, these problems become the bottleneck ofsustainable development, microfinance companies to small loans company to play a crucialrole in the future.The fourth chapter is the path of the sustainable development of Chinese small loancompany and policy Suggestions, this chapter is the focus of the full text research. First isintroduction is one of the two mainstream direction of the development of the small loancompanies, one is the transformation of village Banks; The second is marriage betweenInternet finance. The author’s own experience, analyzes two popular development paths,points out that the two should be paid attention to in the development path of risk factors.Then combined with relevant literature and the author’s own experience, put forward toestablish the status as soon as possible, improve the system of related policies; Check forsmall loan companies set up; Small loan company information platform; Guide the small loancompanies clear direction of several policy Suggestions. Also expressed in this chapter theauthor Suggestions to small loans company future development direction, which insists on"small, scattered," mode of operation, under the guidance of policy, continue to strengthen the"three rural" economic and micro, small and medium enterprises financing service, trulybecome a "facilitator" financial reform and the role of "financial credit supplement".The last is the conclusion and prospect. This part is mainly to this article has carried on the structure and way of thinking to comb, and suggests that because of Chinese regionaldifferences and the limitations of resources, and the author study ability is limited to paper hasmany disadvantages, but at the same time hope that this article can the sustainabledevelopment of Chinese small loan companies to play an active role.