Small Loan Company Development Research In Guangxi

With the rapid development of economy, small loan companies, which is a form of financial organization innovation, have became important institutions in the financial market system. Its important role to the rapid development of the financial economy is more and more obvious. In2008, the China banking regulatory commission issued The Instructional Advice on the Small Loan Company Pilot, which marks the beginning of pilot run of commercial micro-finance companies across the country. So small loan companies spring up all over the country and have become the main force of grass-roots financial markets. Guangxi autonomous region government issued the document The Implementation Opinion about Carry Out the Work of Small Loan Company Pilot, etc, and started the work of small loan company pilot in Guangxi, in December2008.Small loan company belong to new things in Guangxi, and started late and its development is not mature. Moreover, Guangxi is a relatively underdeveloped area. So the development of small loan company has a huge influence on the development of regional economy and finance. Therefore, it has very important practical significance to analyze the development situation of small loan company and put forward the proposal the proposal about promoting the healthy development of small loan company in Guangxi.This thesis review the literature at home and abroad about small loan company, and defines the relevant concepts and categories and analyzes the development of small loan company at home and abroad. Moreover, analyzing the current situation of the development of small loan companies in Guangxi on the basis of the on-the-spot investigation materials and the specific development practice in Guangxi, Concluded that microfinance industry in guangxi in internal internal system imperfect, low staff professionalism, poor innovation ability and deviating from the small loans business principles, in the external system environment of microfinance company identity is not clear, source of funds nervous, have not been included in the credit reporting system and negative tax overweight problem, on the basis of finding problems, the author put forward the perfect internal system development, strengthen the innovation of human resources and curb "offset" trends related to internal control measures, as well as the clear positioning, improve the fund supply situation, service support from the government, promoting the construction of industry associations related external actions I make every effort to make the thesis correct and comprehensively and put forward ideas for the development of small loan companies in Guangxi.