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从2005年起,人总行先后在晋、川、黔、陕、内蒙古五省(区)开展了由民营资本经营“、只贷不存”的商业化小额信贷试点工作,从此,小额贷款公司融资模式便在各省如雨后春笋般相继推广开。小额贷款公司凭借其“短、平、快”的融资方式和“小额、分散”的信贷模式,逐步适宜并满足了县、乡、村三级小微企业、个体工商户、农户等边缘群体对信贷资金的合理需求。截至2013年6月末,全国已有小额贷款公司7086家,贷款余额7043亿元。就富民县而言,自2009年
Since 2005, the People’s Bank of China has carried out pilot projects of commercialized microfinance operated by private capital in Jin, Chuan, Qian, Shan and Inner Mongolia (regions). Since then, The loan-financing model of the loan companies have been popularized in various provinces. With their “short, flat and fast” financing methods and “small and decentralized” credit models, the microfinance companies are gradually adapting to and meeting the needs of small and micro enterprises, individual industrial and commercial households at the county, township and village levels , Farmers and other marginalized groups on the reasonable demand for credit funds. As of the end of June 2013, there were 7,086 small loan companies nationwide with a loan balance of 704.3 billion yuan. For Fumin County, since 2009