Study On The Problems Of Small-loan Companies To Survive

In recent years, small-loan companies develop rapidly as a complementation totraditional banks, which bring their superiority of small amount and dispersion into play,and constantly solve the difficult problems for middle, small and micro-sized enterprisesfinancing and issues of agriculture, farmer and rural area. Most of these small-loancompanies give priority to private capital with advantages of flexible operation and shortlending period, and solve the extremely urgency for customers who are badly in need ofmoney. However, the capital source of the small-loan companies mainly depends onowned capital that has limitations of itself, and it has deficiencies recognized by people inthat industry of business development aftereffect is insufficient, Low level of internalcontrol and the ability to resist risk is weak. How can small-loan companies face thedifficulties under adversity, break through all kinds of obstacles and bring a long-termstable development? These have been the most ardent hope for the people in that industry.This paper mainly concentrates on discussing the survival problems of small-loancompanies: Chapter1mainly is the introduction for the research background. Chapter2mainly introduces the business operating characteristics and the policy support forsmall-loan companies in Jiangsu. In chapter3, some developing difficulties are put forward.Chapter4puts forward the solutions for the difficulties in chapter3. Chapter5looks to thefuture of small-loan companies and analyze their developing space and prospect. The lastchapter gives a conclusion for the whole paper and puts forward the deficiencies of ownresearch that need intensive study. This passage have some advantages as well as someshortages.