Research On Sustainable Development Of State-owned Assets Small Loan Companies

With the constant development and improvement of China's socialist economic system,the credit loan system in the financial industry has also been significantly developed.The emergence of small loan companies has solved the problem of financing for SMEs and agriculture,rural areas and farmers to a certain extent.With the The gradual development of the micro-loan companies in our country has resulted in a variety of small-loan companies of the enterprise nature,namely the private capital micro-loan companies,the state-owned capital micro-loan companies and the foreign-funded micro-loan companies.According to the existing researches of scholars in our country,the sustainable development of the microfinance companies has been more detailed,but there is less classification of the enterprises of the microfinance companies.This paper mainly studies the state-owned micro-loan companies.Although the number of small-loan companies with private capital accounts for a large proportion in our country,the paid-up registered capital of the state-owned capital micro-loan companies accounts for a large proportion,Research is significant.In this paper,Jilin Province,for example,as of June 2017,Jilin Province,a total of 509 micro-loan companies,state-owned capital micro-loan companies,although only 21,but from the paid-in capital,Jilin Province,micro-loan companies The total capital received was 13.87 billion yuan,while the paid-in capital of state-owned capital was 3.4 billion yuan and the proportion of state-owned capital was 25%.Therefore,it is clear that the sustainable development of state-owned capital microfinance companies,whether state-owned or microfinance companies All have great significance.In this paper,we analyze the static situation and dynamic operation of Company A in the context of the background of A national micro-loan company in Jilin Province,which mainly includes the analysis of Company A's establishment,capital structure,organizational framework,incentive and restraint mechanism,business condition,finance Status,investment operation and risk management.From the analysis of data and graphs,it can be seen that the hidden problems under Company A are based on the theory of financial fragility and the theory of financial sustainability,and then analyze this.Firstly,Environmental change,tax burden,changes in interest rates and policy constraints;second,the institutional constraints and management models under the background of state-owned assets are the limiting factors impeding the development of the company;third,from the Internet finance P2 P loans,the public Raise the impact of big data;fourth,the background of state-owned assets of small loan companies themselves.The existence of these factors has hindered the microfinance companies in the background of state-owned assets,and concluded that microfinance companies in the background of state-owned assets are sustainable.However,in order to achieve sustainable development,they need to adapt to changes in the market environment and carry out SOE reforms.At the same time,the government should promulgate relevant laws and regulations and a series of preferential policies,including government subsidies,preferential taxation policies and business preferential policies to encourage the development of small loan companies.