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〔EconomicandManagement,AnKangUniversity,AnKang,ShanXi,725000〕Abstract:Atpresent,thedevelopmentofruralfinancialsystemlagsbehind,andfromtheruralfinancialsupplyanddemandsituation,supplyisaconcentratedmanifestationofruralfinancialproblems.Therefore,toexploreanewguideprivatecapitaltoserve"threeagriculture"thenewfinancingmode,deepenandimprovetheruralfinancialsystemreformhasbecomeinevitable.Smallloancompanyasaveryeffectiveruralfinancemodearisesatthehistoricmoment,ittoimprovethefarmers'income,promotingtheconstructionofnewcountryside,improvetheruralsmallandmedium-sizedenterprisefinancialservices,improvetheruralfinancialservicesystemandsoonallhavefar-reachingsignificance.CommercialmicrofinancecompanywasformallyestablishedinrecentyearsinChina,can'tabsorbpublicdeposits,canonlybeakindofnewbusinessloanbusinessmechanism,isanimportantinnovationofruralfinancialsysteminChina.InXiangningXindesmallloancompaniesastheresearchobject,analyzesthepresentsituationofthesmallloansbusinessdevelopment,Foundthatthecompanysinceitsinception,agooddevelopment,increasingtheloanamount,butinthedevelopmentprocess,therearefunds,risk,corporategovernanceandotheraspectsoftheproblem,whichrestrictsitssustainability.summarizingtheplightofthecompanyinfrontofmicrofinanceandthereasons,finallyputforwardcountermeasuresandSuggestionstopromotethedevelopmentofxiangningfait