XX小额贷款公司可持续发展研究.doc

本科生结业论文〔计划〕：XX小额存款公司可继续开展研讨标题院〔系〕经济与治理学院专业班级先生姓名财务治理1班指点老师〔职称〕胡爱君〔副教学〕、张亚晴论文提交时辰二〇一四年蒲月乡宁县XX小额存款公司可继续开展研讨择要：现在我国乡村金融系统开展滞后从乡村金融的供需近况看供应充足是乡村金融征询题的会合表示。因而探求一种新的领导官方资本为“三农〞效劳的新型融资方法、深入跟完美乡村金融体系变革便成为必定。XX小额存款公司作为乡村金融特不无效的一种方法应运而生它对于推动新乡村树破、改良乡村地域中小企业的金融效劳、完美乡村金融效劳系统等均存在深远意思。贸易性XX小额存款公司是我国近多少年正式成破的不克不及接收年夜众存款只能经营贷款营业的新型机构是我国乡村金融轨制的一项主要翻新举动。本文以XX小额存款公司为研讨工具剖析该公司小额存款营业开展的近况发觉该公司自成破以来开展精良存款量不时添加然而在开展进程中也存在资金方面、危险方面、公司羁系方面等征询题制约了它的可继续性。经过研讨总结公司面对的窘境及缘故论文中提出了增资扩股、强化内控机制、健全羁系体系等一些增进公司开展的对策倡议对乡宁县鉴意思。XX小额存款公司的开展有着借要害词：小额存款；公司；可继续开展XiangningmicrofinancecompanysustainabledevelopmentresearchXueNa〔EconomicandManagementAnKangUniversityAnKangShanXi725000〕Abstract:Atpresentthedevelopmentofruralfinancialsystemlagsbehindandfromtheruralfinancialsupplyanddemandsituationsupplyisaconcentratedmanifestationofruralfinancialproblems.Thereforetoexploreanewguideprivatecapitaltoserve"threeagriculture"thenewfinancingmodedeepenandimprovetheruralfinancialsystemreformhasbecomeinevitable.Smallloancompanyasaveryeffectiveruralfinancemodearisesatthehistoricmomentittoimprovethefarmers'incomepromotingtheconstructionofnewcountrysideimprovetheruralsmallandmedium-sizedenterprisefinancialservicesimprovetheruralfinancialservicesystemandsoonallhavefar-reachingsignificance.CommercialmicrofinancecompanywasformallyestablishedinrecentyearsinChinacan'tabsorbpublicdepositscanonlybeakindofnewbusinessloanbusinessmechanismisanimportantinnovationofruralfinancialsysteminChina.InXiangningXindesmallloancompaniesastheresearchobjectanalyzesthepresentsituationofthesmallloansbusinessdevelopmentFoundthatthecompanysinceitsinceptionagooddevelopmentincreasingtheloanamountbutinthedevelopmentprocesstherearefundsriskcorporategovernanceandotheraspectsoftheproblemwhichrestrictsitssustainability.summarizingtheplightofthecompanyinfrontofmicrofinanceandthereasonsfinallyputforwardcountermeasuresandSuggestionstopromotethedevelopmentofxiangningfaithcompanyhasreferencesignificancetothedevelopmentofxiangningsmallloancompanies.Keywords:Microfinanc