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由于一些小企业、个体经营户、农户生产经营规模小、不规范,加之地方担保机构发展还不成熟,融资渠道单一,商业银行和地方法人金融机构是最主要的融资渠道,但贷款门槛偏高,而地方法人金融机构又无法满足广大农户和个体经营户等的资金需求。小额贷款公司的出现给这部分资金需求者开辟了新的融资渠道。为了解辖区小贷公司的运营情况,近期我们对辖内小额贷款公司的发展情况进行了调查。
Due to the small scale and non-standard production and operation of some small-scale enterprises, self-employed households and farmer households, as well as the immature development of local guarantee institutions and the single financing channels, commercial banks and local financial institutions are the most important financing channels, but the threshold of loans is high , While the financial institutions of local legal entities fail to meet the funding needs of farmers and self-employed households. The emergence of small loan companies has opened up new financing channels for those who need money. In order to understand the operation of small loan companies in the area, we recently conducted a survey on the development of small loan companies under their jurisdiction.