Study On The Sustainable Development Of Small Loan Companies

At present, our country engaged in microfinance institutions mainly includes commercialBanks, rural credit cooperatives, postal savings Banks and financial institutions, such as small-loan companies. Small-Loan Company in local economies, especially at the level of individualbusinessmen, small business owners and farmers development offer a wide range of financialsupport, also for the region’s strong economic development provides a very convenient condition.However, there are quite a few problems restricting its sustainable development in the process ofthe development of small-loan companies. both the macro aspects, such as location is unknown,"credit is not only to save" and Limited funding; also having the micro aspect, such as interestrate formulation is not reasonable, Loan products lack of innovation, lack of risk controlmechanism, etc. The existence of these problems not only hinder the micro-credit company’sscale and profit increase, but also inhibit the microfinance demanders of normal production andbusiness activities, is not conducive to social and economic rapid, stable and sustaineddevelopment.In this paper, using the method of literature analysis, method of field research and methodof comparative analysis, study abroad successful microfinance sustainable development mode ofthe people’s bank of Indonesia and Bolivia sun banking model, analyzed the foreignmicrofinance operation mechanism, as well as the enlightenment to our country. To Shanghai Yarea at the same time A small loan company as the object of investigation, analysis of thecompany A microfinance operation method, points out the low operating costs, higher operatingefficiency, the implementation of differentiation competitive strategy, avoid compete head-onwith financial institutions, business is dealt with, highlight the characteristics of "small,fast, flexible " loan of high efficiency and lending based on the real economy, traditional higherquality of credit assets is A condition for the sustainable development of the company, alsopoints out that the source of funds, risk control, operating costs, interest rate pricing is currentlyseveral important problems of sustainable development of company. Finally in this paper, wegive A small loan company to build sustainable development countermeasures, from theenterprise itself on its own market localization, perfect the risk control mechanism, strengthencredit product innovation, reduce their operating costs, improve the corporate governancestructure; From the policy level to construct legal and institutional guarantee, build and perfectthe rural insurance system, exert the leverage of poverty alleviation funds, relax small loanscompany interest rate controls gradually, establish effective money supply mechanism, enlargepolicy support dynamics.