The Study Of Development Of Micro-Loan Companies

Based on the present micro-loan companies as the research object, through on-the-spot investigations of the micro-loan companies in Shandong province, we find that micro-loan companies are facing many difficulties in the course of business: the lack of clear laws and regulations, a single source of funding channels, the lack of an effect external supervision, and the lack of relevant skill training; identity ambiguity, the lack of talent, and the lack of an effect credit risk control mechanism, which have seriously hampered the sustainable development of micro-loan companies. According to poverty-related theory, I believes that the existence of micro-loan companies are essential and rational, and the key is how to promote the sustainable development.According to the theory of micro-credit sustainable development, with a combined method of theoretical and practical and summarized research method, the article analyzes deeply that micro-loan companies are facing the above-mentioned difficulties in the sustainable development.On this basis, the response to the above constraints is putting forward policy recommendations as follows: consummate the relevant legal and policy rules; innovate mechanisms to achieve diversification of funding sources; establish the combined regulatory system of an external non一prudential regulation and industry self-regulation, sound credit risk control mechanisms; attract talent and enhance staff training, with a view to help the development of the micro一loan company.