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本文选取中部地区、西部地区和东部地区小额贷款公司22个季度的截面数据,实证分析各个区域小额贷款公司的放贷能力,结果显示,其贷款能力受到区域经济发展的影响显著,因此,笔者提出调整区域分布,鼓励东部地区小额贷款公司到中西部地区收购或重组当地小额贷款公司;维持区域内小额贷款公司总量只减不增,对存量小额贷款进行增资扩股,将存量小额贷款资产证券化,提高资本金的扩张乘数;提高准入门槛,增加实收资本金,促进小额贷款集团进行集约化经营;利用全国征信系统,提高工作效率和人均贷款能力。
This paper selects 22 quarterly cross-sectional data of microfinance companies in central, western and eastern regions to empirically analyze the lending capacity of microfinance companies in various regions. The results show that their loan ability is significantly affected by regional economic development. Therefore, Proposed to adjust the regional distribution and encourage the small loan companies in the eastern regions to purchase or reorganize the local small loan companies in the central and western regions; to maintain the total amount of the small loan companies in the region only to decrease or increase, Increasing the access threshold and increasing the paid-in capital to promote the microfinance group’s intensive management; Using the national credit information system to improve work efficiency and per capita loan ability .