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笔者通过对四川省多家小额贷款公司的实地调研,发现四川省小额贷款公司在实际运营过程中,存在诸多问题,如业务与产品种类单一、内部控制机制不健全、赢利空间有限以及风险控制措施落后等,这些问题都严重制约了四川省小额贷款公司的发展。本文在对成都一家典型的小额贷款公司(以下简称A公司)详细分析的基础上,结合四川目前的实际情况,阐述四川省小额贷款公司存在的问题并尝试提出适合其发展的意见与建议。
Through field investigation on a number of small loan companies in Sichuan Province, the author finds that there are many problems in the actual operation of small loan companies in Sichuan Province. For example, the types of businesses and products are single, the internal control mechanism is not perfect, the profit margin is limited and the risk Control measures are outdated, etc. These problems have seriously hampered the development of small loan companies in Sichuan Province. Based on a detailed analysis of a typical small loan company in Chengdu (hereinafter referred to as Company A) and based on the current situation in Sichuan Province, this paper elaborates the existing problems of small loan companies in Sichuan Province and tries to put forward suggestions and recommendations that are suitable for their development .