A Research On The Problem And Strategy Of Small Loan Companies’ Operation In Shandong Province

Small loan company is invested by natural person, enterprise legalperson and other social organizations set up, don’t absorb public deposits,small loans business, limited liability companies or joint stock co., LTD.Microfinance company into a spurt of growth in China in recent years,companies from the beginning of the pilot number of less than500,2008in2009to1334, to2010in2614, the loan balance of195.7billion yuan,the new loans of120.2billion yuan, staff more than27800. Due to thesmall loans company is short, small, flexible, and the characteristics ofsustainable microfinance company to support agriculture, rural areas andfarmers and small micro enterprise financing offers a great help. However,there are some problems in practical operation of small loans companiesinevitably because of kinds of reasons.Emphatically from the small loan company to support the financingof small micro enterprises, this article makes a survey on the problemsand defects existing in the actual operation of small loan companies inShandong in the form of questionnaire and on-the-spot investigation. And on this basis, it further puts forward the solution to the problem and thesmall loan companies’ outlook.