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我国从2008年正式开展小额贷款公司试点,试点期间小贷公司发展迅速,但受资金短缺和融资渠道偏少困扰,可贷资金不足现象普遍,长期来看无法可持续发展,小贷公司的融资工具亟需创新。本文主要是研究小额贷款公司的资产证券化背景,以及分析现存的一些问题,从而提出相关的建议使得小贷公司能够发展资产证券化。
In 2008, China started the pilot of small loan companies. During the pilot period, the small loan companies developed rapidly. However, due to shortage of funds and financing channels, the shortage of loanable funds was widespread. In the long run, small loan companies were not able to achieve sustainable development. Financing tools urgently need innovation. This paper mainly studies the background of asset securitization of small loan companies and analyzes some existing problems so as to put forward relevant suggestions so that small loan companies can develop asset-backed securities.