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小贷公司是“三农”和小微企业融资服务的新生力量。基于对试点实践总结和全国小贷公司数据的统计分析,我国小贷公司发展的政策措施逐步完善、机构覆盖率和贷款服务能力显著提高,已初具规模,取得了快速发展。但是,小贷公司面临身份尴尬、机构分布失衡且偏离政策导向、市场融资困难、业务偏离试点目标、监管机制不当等诸多发展困境,是可持续发展必须解决的现实问题,文章提出相关对策建议。
Small loan companies are the new force for “three rural” and small and micro enterprise financing services. Based on the summary of the pilot practice and the statistical analysis of the data of the national small loan companies, the policy measures for the development of China’s small loan companies are gradually being improved. The coverage of the institutions and the loan service capability have significantly increased. They have begun to take shape and achieved rapid development. However, the microcredit companies face many difficulties such as identity embarrassment, unbalanced distribution of institutions, deviation from policy orientation, difficulties in market financing, deviation of business from the pilot project and improper supervision mechanism, which are the realistic problems that must be solved in sustainable development. The article puts forward some countermeasures and suggestions.