| In May 2008, the people’s Bank of China, China Banking Regulatory Commission jointly issued "guidance on the pilot small credit company"(No. 〔2008〕23, hereinafter referred to as the "guidance"). After that small credit companies in various provinces and cities has spread quickly and drew great attention. In August 2008, Chongqing introduced the "Management of Chongqing city pilot small loan companies(for Trial Implementation)", which started small credit companies in Chongqing city. In recent years, small credit companies in our city has enjoyed a rapid development, positive social repercussions, the petty loan company to regulate private borrowing, mobilize social resources, strengthen the small enterprise credit support, maintaining financial market, active financial market, promote the overall development of urban and rural areas in our city had achieved positive results. But it is now encounter the problem of control management risk, the realization of sustainable development, the lack of financial professionals. There is still a long way to go before achieving the Central Committee’s requirement "effective allocation of financial resources, and guide the flow of capital in rural and underdeveloped areas, improve financial services in rural areas, the promotion of agriculture, farmers and rural economic development".In order to promote the healthy development of small loan companies in Chongqing, to realize the target of support for small and medium enterprises and the "three rural" economy, this article starts from the analysis of concept and the significance of the development of small loan company, based on the comparison of the international experience of financial institutions, by the way of a questionnaire survey, in-depth understanding of the current situation of the development of small loan companies this paper pointed out the main problems blocking its good development, finally propose the choices and promote the sustained and healthy development path. |
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