小额贷款公司快速发展已有五六年时间,大多数小贷公司无一例外地遇到了一个共同问题:后续资金来源匮乏。许多小贷公司的贷款规模只能局限在股东资本金和有限的从银行业金融机构的融入资金内,而得不到进一步的发展。今年8月,江苏吴江市鲈乡农村小额贷款股份有限公司在美国纳斯达克成功上市,这似乎给众多小贷公司解决资金问题带来了希望。目前规范小额贷款公司的文件主要是《关于小额贷款公司试点的指导意见》(银监发[2008]23号),以及各省出台的小额贷款公司管理办法。它们对小贷公司的资金来源 Microfinance companies have been developing rapidly for five or six years. Most small loan companies have, without exception, encountered a common problem: lack of follow-up funding. Many small loan companies can only limit the size of their loans to shareholders and limited financial institutions from the banking funds, without further development. In August this year, Wujiang City, Jiangsu Perch Rural Microfinance Co., Ltd. successfully listed on the NASDAQ in the United States, it seems to many small loans companies to solve the problem of funding has brought hope. At present, the documents governing the microfinance companies are mainly the Guiding Opinions on the Pilot Projects of Microfinance Lending Companies (Yin Jian Fa [2008] No. 23) and the management of small loan companies issued by various provinces. They finance small loan companies