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The Research on Expanding Financing Channels of Chinese Small Loan Companies

Author: CaoTan
Tutor: YangZhaoTing
School: Hebei University of Economics
Course: Finance
Keywords: Sources of Funding the Financing Channels Small Loan CompanyExpanding
CLC: F832.4
Type: Master's thesis
Year: 2014
Downloads: 21
Quote: 0
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Abstract


Small loan companies in China develop rapidly, since Guizhou, Sichuan, Shaanxi,Shanxi and Inner Mongolia five provinces’ small loan company’s pilot work in2005.Theemergence of small loan companies effectively solves the capital requirements of small andmedium-sized enterprises and individual businesses. The small loan company can be regardas the "blood transfusion" of general capital demanders. But the "credit only but not to save"mechanism affects the "hematopoietic function" of the small loan companies----lack offinancing channel. Many small loan companies lend all their capitals out within one or twomonths, and the financing channels of small loan companies is limited, so how to effectivelydevelop small loan company’s financing channel, becomes the key factor to promote thedevelopment of mall loan company’s sustainability.In the first chapter, it introduced the small loan company’s background and significance.Also it introduced the present research situation in domestic and foreign countries. Thesecond chapter introduces the development course of Chinese small loan company and itstheoretical basis. The third chapter tells the financing channel of Chinese small loan companyis not smooth. And these factors lead to Chinese small loan companies’ financing difficulties.The following section mainly discusses the small loan company’s innovations to expand thefinancing channels. But these financing channels also have limitation and cannot promote inlarge scale. Then the fourth chapter discusses the international small loan finance company’ssuccessful case of expanding the financing channels. International small loan companiesexpand the financing channels of successful experience. This experience mainly includessetting up wholesale funds, in the form of cooperation with commercial Banks anddeposit-taking. The fifth chapter gives the policy recommendations for small loan companiesto expanding their financing channels. And Policy Suggestions includes encouraging smallloan companies continuing to innovative financing channels, strengthening cooperation withother agencies, reducing the resistance that small loan companies reorganize into rural banks,actively absorbing private capital to expanding financing channels and encourage small loancompanies to list. In order to successfully expanding the financing channels, the government and small loan companies need joint effort. On one hand, the government should enhance theeffort for small loan companies. The administrator can broaden the funding ratio of small loancompanies, and provide more incentive policies to make other institutions more willing towork with small loan companies. Also, on the premise of risk control, the local governmentcan timely launch of some innovative forms of financing according to its local condition. Onthe other hand, the small loan company should regulate its development and improve itsbusiness performance in order to attract more institutions to cooperate with small loancompanies.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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