A Study On The Financing Channels Research Of Small Loan Limited Liability Company

Small loan company as a new financial organization form of the first is to serve the purpose of low-income urban and rural areas,to provide financing services.Domestic was introduced into our country in the 1990 s,and in October 2005 by the people's bank of China across the country to carry out the pilot work.Small loan companies effectively solved the bank credit system of small micro enterprises,individual businesses and the "SAN nong"(agriculture,farmer and countryside)financing demand,help improve its operation and management so as to drive the economic development of the society as a whole,is called \"blood capillary of the credit market.Small loan company after more than ten years of development,has formed a certain scale,but is still faced with insufficient funds,the financing difficult problem.As guidance rules on the small loan companies can't absorb deposits can only lend pattern,caused the petty loan company congenital anemia,but also the source of funds made specific provision: shareholders own capital,donated funds and bank financing is small loans company three sources of financing channel,small loan companies could raise the banking financial institutions shall not exceed two,get into the balance of funds from the banking financial institutions,shall not exceed 50% of the net capital.But in the small loan company's actual operation,small micro enterprises,individual businesses and the \"three rural\" has a lot of money demand,a lot of small loan companies follow-up funds cannot meet the demand of downstream customers,in turn,affects the sustainable development of the future.Therefore,the research on the financing channels of small loans company,has a practical significance.This paper uses the field research method,case method and literature analysis,in Changchun city,Jilin province A small loan co.,LTD.(hereinafter referred to as \"A small loan company)as the research object of financing channel case analysis.This paper first introduces the research background and research significance,and the research status at home and abroad are summarized.The second chapter presents the definition of small loan companies,nature,function and finance related theory.The third chapter through to A small loan company,analyzing the present situation and problems of the existing financing channels that microfinance company identity definition is unknown,loss of the regulatory rating system,the company's internal management ability is not strong,policy factors such as too narrow financing channel is the source of funds is insufficient,the reason of financing difficulties.The fourth chapter according to analyses the reason of the targeted regulators should clear small loan companies,financial institutions to establish regulatory rating.