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农村小额贷款公司作为农村金融体制改革中的创新组织,随着业务规模的不断壮大,促进了农村金融市场竞争,弥补现有农村金融服务的不足,对地方经济发展的支撑作用也越来越大。但对于某些农村小额贷款公司日常经营中不正常的现象相关部门也应引起重视,并采取相应措施及时予以制止,保证其持续稳健发展。经调查,目前部分农村小额贷款公司日常经营中存在为了牟取超额收益和掩盖短期贷款占比,而强制要求客户拉长贷款期限的现象。这种现象值得相关部门关注。
As an innovative organization in the reform of rural financial system, rural microfinance companies have promoted the competition in rural financial markets, made up for the shortage of existing rural financial services and supported the development of local economy with the continuous expansion of business scale Big. However, the relevant departments in some rural microcredit companies that are not normal in their daily operation should also pay attention and take appropriate measures to stop it in time to ensure its sustained and steady development. After investigation, at present, some rural small loan companies exist in their daily operations to force customers to lengthen the term of loans in order to seek excess returns and cover up the proportion of short-term loans. This phenomenon deserves the attention of relevant departments.