小额贷款SmallloancompanyinChinaLegalProblemsandSuggestionsforImprovement.doc

Small Loan Company in China Legal Problems and Suggestions for Improvement [Abstract]: In recent years the company gradually developed microfinance. In our economy on the specifications of its private capital, and promote Economic Development has a positive meaning. But because of its still in trial stage, the current number of small loan companies on the basic provision or provisions of the problem is still not yet unreasonable. there are still some legal issues: the creation of the high threshold, the regulatory body is not clear, low risk control. This will become a bottleneck restricting its development. In order to promote small loan company healthy and sustainable development, favorable to the Development of small loan companies recommended: small loans for the Development of the company to create a good legal environment, specifically the regulation of small loan companies and improve their own small loan company risk control capability. [Keywords]: small loan companies, legal risk, regulatory body In 2005, the small loan company in Inner Mongolia, Shanxi, Shaanxi, Guizhou, Sichuan Province, five May starts .2008 CBRC, the central bank jointly issued On the small loan company pilot guidance, small loan company the rapid Development of a trial basis in April In 2009, China Banking Regulatory Commission issued a small loan company set up rural banks restructuring Provisional Regulations the small loan company pointed out the direction. As of the end of October 2010 has set up a small country Loan Company 2348. After several years of practical work, small loan companies made a good social effect in improving rural financial services, to resolve the difficult problem of SME financing has played a positive role. 1. The status of small loan companies 1.1 The nature of small loan companies and structure Microfinance refers to the lower-middle class devoted to the continued provision of micro-credit services activities. Small loan company, is defined as nat