中文题目：典当行经营环境分析和策略选择-基于融资服务提供的视角
中文摘要：
典当是一种古老的便民融资工具,是中国银行业的鼻祖。典当行在其一千多年的经营历史中，主要为个人和小商品生产者提供资金融通服务。在现代，典当业在缓解中小微企业融资难、促进中小微企业发展等方面一直发挥着积极作用。据商务部的统计，截至2010年底，全国共有4433家典当企业，全行业注册资本584亿元，从业人员3.9万人。“十一五”期间，全行业累计发放当金近6000亿元，2010年典当总额达1801亿元，中小微企业的融资占典当业务总额的80%以上。近年来，随着经济的发展，社会对资金需求逐年上升，各种融资工具层出不穷，除了典当行外，还有大型银行、村镇银行、融资租赁公司、小额贷款公司等正规金融机构和非金融机构；同时，担保公司、寄卖行、人人贷（p2p）、个人等都在变相经营贷款业务，民间借贷规模庞大。面对如此复杂、多元的金融环境，典当行该如何面对各种传统和新兴融资方式的挑战，是合作还是对抗，是排斥挤压还是互相促进？而在典当行业内部，面对同行的竞争，各家机构又该如何创造优势，脱颖而出？本文通过对典当与以上各种融资方式的比较，探讨典当行与其的竞争或合作关系，同时，通过swot分析比较，明确典当行业的优劣势，确立典当行的经营策略。
英文题目： Business Environment Analysis and Strategy Selection of Pawnshops
英文摘要：
Pawnshop is a kind of ancient financing instrument, serving as the originator of China banking. In it's 1600-year history,pawnshop provided loans mainly to the small scale businessman. During the period of the “eleventh five-year plan”, the accumulated amount of pawn capital is nearly RMB 600 billion. In the year of 2010, the total pawn amount reaches RMB 180.1 billion. The financing of small and medium enterprises accounts for over 80% of the total amount of pawnshop business. Pawnshops are playing a positive role in mitigating the difficult financing situation for small and medium enterprises and promoting the development of them. In recent years, along with the economic development, the society has an accelerating demand for capital, which contributes to endless emergence of various financing instruments. Apart from pawnshops, regular financial institutions and non-financing institutions such as large scale banks, rural banks and small-loan companies also come into shape. At the same time, guarantee companies, consignment shops, P2Ps and individuals are dealing with loan transactions in different ways. How will pawnshops struggle out when encounter various traditional and emerging financial institutions? In front of other pawnshops, how will they create advantages to stand out from the crowd? In this paper, the author compares pawnshops with the aforementioned financial methods and discusses the competition or cooperation among them. Meanwhile, the author also elaborate on the advantages and disadvantages of pawnshops through SWOT analysis ，and establishes the business strategies for pawnshops.
