小额贷款公司发展现状与建议——基于萍乡市六家小额贷款公司的调研

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1、3.3.2贷款发放快速且灵活，期限较短·································································173.3.3贷款对象以小微企业和个体工商户为主·····················································173.3.4贷款笔数少，笔均贷款额度较大·································································183.4萍乡市6家小额贷款公司的共性与差异性···························

2、·····························183.4.1经营上的共性·································································································183.4.2经营上的差异性·····························································································193.5萍乡市小额贷款公司发现的主要困难······························

3、··································193.5.1后续资金融入困难，创收能力受到制约·····················································193.5.2社会认同度不高，竞争力不强·····································································194萍乡市小额贷款公司发展的制约因素分析·······························································204.1内部制约因素··

4、·····································································································204.1.1经营管理能力不足·························································································204.1.2业务人员素质普遍不高···········································································

5、······204.1.3产品单一，创新空间狭窄·············································································214.2外部制约因素·······································································································214.2.1身份定位模糊，监管权责混乱······························································

6、·······214.2.2资金来源受限，税收负担较重·····································································214.2.3金融基础设施薄弱，政策扶持不能覆盖·····················································224.2.4运营偏离设立初衷，转型改制存在矛盾·····················································235对策及建议·······································

7、··········································································245.1提高小额贷款公司的经营管理水平····································································245.1.1制定合理的利率水平········································