CAJ | 학술논문

大湘西地区小额贷款公司自成立以来，在缓解“三农”和微小企业融资难问题上发挥了重要作用，自身也获得了快速发展。但也存在着许多影响其可持续发展的因素，必须探寻其问题发生的原因，通过明晰其转制路径、完善资金供给机制、加强内部控制与监管、建立风险补偿机制寻求小额贷款公司可持续发展之路，这对于实现大湘西地区乃至全国欠发达地区小额贷款公司的可持续发展具有重要的现实意义。
대상서지구소액대관공사자성립이래，재완해“삼농”화미소기업융자난문제상발휘료중요작용，자신야획득료쾌속발전。단야존재착허다영향기가지속발전적인소，필수탐심기문제발생적원인，통과명석기전제로경、완선자금공급궤제、가강내부공제여감관、건립풍험보상궤제심구소액대관공사가지속발전지로，저대우실현대상서지구내지전국흠발체지구소액대관공사적가지속발전구유중요적현실의의。
These small loan companies with fast developmenting in the western Hunan play an important role in relieving financing difficulties on agriculture, rural areas, farmers and micro business. However, the sustainable development of these small loan companies are faced with many restricting factors, so exploring their problems and finding the solutions are of great practical significance to realize the sustainable development of all the small loan companies in the western Hunan and all the underdeveloped districts.