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小额贷款公司是近年来蓬勃发展的新型融资机构,它的出现丰富和完善了我国融资体系,实现了融资市场的进一步细分,有效引导和规范了民间融资行为,更为解决中小微型企业和“三农”资金难问题进行了有益探索。2008年5月,银监会和央行《小额贷款公司试点管理指导意见》发布后,小额贷款公司进入了市场化经营的全新发展阶段。截至2012年二季度末,全国共有小额贷款公司5267家,从业人数达58441人,贷款余额4257亿元。另据中国小额信贷机构联席会此前发布的数据显示,2011年前11个月小额贷款公司累计新增利润230亿元,同比增长
The emergence of small loan companies, which have flourished in recent years, enriched and perfected China’s financing system, realized the further segmentation of the financing market, effectively guided and regulated non-governmental financing activities, and solved the problems of small and medium-sized micro-enterprises “Agriculture, farmer ” funds difficult problem to carry on the beneficial exploration. In May 2008, following the release of the Guidance Opinions of China Banking Regulatory Commission and the Central Bank on Pilot Management of Small Loan Companies, the micro-lending company entered a brand-new development phase of market-oriented operation. As of the end of the second quarter of 2012, there were 5,267 small loan companies nationwide, employing 58,441 people and lending balance of 425.7 billion yuan. According to data released earlier by the China Federation of Microfinance Institutions, the total number of newly-added small-loan companies in the first 11 months of 2011 increased by a total of 23.0 billion yuan, up YoY