Study On Development Strategy Of Small Loan Company In Fujian Province

Microfinance in China since the establishment of the company, and achieved certain results, provide a certain degree of financial support for the development of small and medium-sized enterprises. But the small loan companies in the capital channel, measures of supervision, management level, still faces many risks, these problems make the development of microfinance company limited. At the same time, with the economic and financial reform, small and medium-sized enterprises have developed rapidly, has become the main support of social economy. But because of the small and medium-sized enterprise credit is low, small scale, less collateral, most financial institutions in financing difficulties, the petty loan company to break the conventional mode, use their business counterparts advantages, at the same time the financing of small and medium-sized enterprise development itself.In this paper, the petty loan company in Fujian Province as the main object of study, through the development of small loan companies, the problems encountered and solutions to the problem, showing the characteristics of micro credit companies in Fujian province. The final analysis of the petty loan company’s main business is to serve the local small and medium enterprises, solve the financing problem of SMEs in the region. Based on the experience summed up the development direction of small loan companies, to provide a reference for the development of small loan companies.Research methods used in this paper are comparative research method and empirical analysis method. The small loan companies and banks in providing financing to small and medium-sized enterprises, in a number of small loans company model, using the statistical data, charts, explanation and demonstration of the questions to be discussed, at the same time, the reform of the way, from a normative perspective. In this paper, based on the empirical point of view, in Fujian province to study the development strategy of small loan companies.The main content of this study includes the following parts:the first chapter is the introduction part, mainly elaborates the background of major significance of topic, literature review, research. The second chapter introduces the characteristics and mode of operation of the development process, the petty loan company in Fujian Province, in order to clear the object of study. The third chapter puts forward the main problems of small loan company in Fujian province encountered in the development process. The fourth chapter puts forward the development direction and the countermeasures to solve the problems and the future. The fifth chapter through Longyan, Sanming two examples of analysis of current situation of management and efficiency evaluation of petty loan company in Fujian province. The sixth chapter is the review and prospect.