如何破解小额贷款公司发展中的困境——基于政策环境视角

How to Crack Development Dilemma of Microfinance Corporation Based on Policy Environment Perspective

中文关键词:  小额贷款公司  利率政策  融资政策  财税优惠政策  普惠金融  金融监管

英文关键词:Microfinance Corporation  interest rate policy  financing policy  fiscal and tax preferential policy  inclusive finance  financial regulation

中文摘要:

      国家发展小额贷款公司的相关政策使其获得快速发展。通过对发展小额贷款公司相关政策的梳理,从政策环境视角分析了小额贷款公司发展中的困境,如法律缺憾、利率定位不合理、融资瓶颈有待疏通、财税优惠政策扶持不足等。为了破解小额贷款公司的上述发展困境,文章建议通过完善法律法规制度,加强国家政府部门和地方政府之间的政策沟通,遵循利率市场化原则,合理定位贷款利率,建立健全融资监管机制,拓宽融资渠道,加大财税优惠政策扶持,降低企业税收负担等策略来优化政策环境。 

英文摘要:

      The national policy to develop Microfinance Corporation promotes their rapid growth. Through combing the relative policies on the development of Microfinance Corporation, this paper analyzes the development dilemma of Microfinance Corporation, from policy environment perspective:legal defects, unreasonable positioning of interest rates, financing bottleneck, inadequate support of fiscal and tax preferential policies, etc. In order to crack the development dilemma of Microfinance Corporation, this paper suggests the strategies to optimize the policy environment by improving laws and regulations, strengthening the policy communication among local governments, adhering to the principle of interest rate marketization, positioning the reasonable loan rate, establishing and improving the financial supervision mechanism, broadening the financing channels, increasing the support of fiscal and tax preferential policies, reducing the tax burden of Microfinance Corporation, etc. 