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厦门小额贷款公司起步较晚,本文对其发展状况进行考察。内部考察主要针对小额贷款公司的自身经营状况,外部考察主要针对小额贷款公司的经营环境。通过考察可以发现厦门小额贷款公司相对其他金融机构的优势和劣势,以及发展面临的机遇和障碍。在此基础上,本文相应提出厦门发展小额贷款公司的建议,包括小额贷款公司自身发展的对策和外部的政策支持。
Xiamen small loan company started late, this article examines its development status. The internal inspection mainly focused on the self-management status of the micro-loan companies. The external inspection focused on the operating environment of the micro-loan companies. Through the inspection, we can find out the advantages and disadvantages of Xiamen MFIs relative to other financial institutions and the opportunities and barriers to development. On this basis, the paper puts forward some suggestions on the development of microfinance companies in Xiamen, including the development of microcredit companies themselves and the external policy support.