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本文以湖州市全辖14家小额贷款公司为样本,对其运营现状进行了分析,并通过建立计量模型对影响小额贷款公司经营绩效的相关因素进行了实证检验。资本规模和贷款集中度均对小额贷款公司的盈利水平有着显著的影响。但是,不良贷款水平对小额贷款公司盈利水平的影响反过来又制约了上述两个因素的作用。结合这些分析和结论,文章对小额贷款公司的制度设计提出了相关政策建议。
In this paper, Huzhou City, under the jurisdiction of a total of 14 small loan companies as a sample, the status of their operations were analyzed and established by measuring the impact of micro-lending companies on the operating performance of the relevant factors of an empirical test. Both the size of capital and loan concentration have a significant impact on the profitability of small loan companies. However, the impact of NPLs on the profitability of microfinance companies, in turn, constrains the role of these two factors. Combined with these analyzes and conclusions, the article put forward relevant policy suggestions to the system design of the micro-loan company.