According to the data of China Microfinance Deep Investigation and Investment Strategic Planning Analysis Report released by Prospective Industry Research Institute, the loan balance of microfinance companies increased from 766,454.38 billion yuan in 2009 to 704.3 billion yuan in June of 20 13, which was nearly 10 times in less than five years, and the new loans in the whole year exceeded 1000. However, if we look at the average loan balance of small loan companies, it seems that the operating efficiency of small loan companies has not been greatly improved.
If small loan companies want to achieve sustainable development in the future, they must go out of the mode of "fighting for money" relying on shareholders' capital investment, and at the same time need to have a stronger "hematopoietic" function. Forward-looking Industry Research Institute suggested that funds can be obtained through the following ways: increasing the leverage ratio of small loan companies; Lend wholesale funds provided by the government or low-cost wholesale funds borrowed from banks and funds to small and micro enterprises with small loan companies as the lending platform; Clarify the legal subject status of microfinance companies; Encourage small loan companies to issue stocks and bonds to solve the capital problem through direct financing; Encourage small loan companies to carry out trust asset repurchase business and revitalize funds.
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