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为改善农村地区金融服务,促进“三农”经济发展,2008年5月,中国人民银行、中国银监会联合发布了《关于小额贷款公司试点的指导意见》,这一对民间金融疏堵并举的政策转变迅速点燃了民间资本的热情。在地方政府推动下,小额贷款公司在全国各地纷纷设立,对进一步改善农村地区金融服务环境,规范和引导民间融资行为,缓解小企业融资难问题起到了积极的促进作用。但是,经过近三年的试点,其运行过程中的困难和问题也逐步显现,如何防范风险、实现可持续发展,迫切需要小额贷款公司自身和相关部门的共同努力。
In order to improve financial services in rural areas and promote “three rural” economic development, in May 2008, the People’s Bank of China and China Banking Regulatory Commission jointly issued the Guiding Opinions on Piloting Small-Loan Companies, The rapid change of policies simultaneously ignited the enthusiasm of private capital. Under the promotion of local governments, microfinance companies have been set up all over the country, which have played a positive role in further improving the financial service environment in rural areas, standardizing and guiding private financing and alleviating the financing difficulties of small enterprises. However, after nearly three years of pilot projects, difficulties and problems in their operation have gradually emerged. How to prevent risks and achieve sustainable development urgently requires the joint efforts of the microcredit companies and relevant departments.