Study On The Regulation Of Small Loan Companies In Hunan Province

China's commercial microfinance companies adhere to the principle of �small,decentralized,flexible� to provide financial services for small and medium enterprises.Since August 2009,microfinance companies have been developing rapidly in Hunan Province to provide financial support to vulnerable groups such as farmers,farmers and small and micro enterprises,while their development has helped to regulate and guide the flow of private capital and provide a large number of private funds outside the regulatory framework with legal channels for entering the financial system.And play the role of serving the �agriculture,agriculture� and promoting the benign competition of rural financial market.However,compared with the traditional financial institutions and the rural financial institutions such as village and village banks and mutual funds associations,the microfinance companies can not enjoy the preferential policies given by the State in terms of interest rates,funding sources and tax concessions,and are in an awkward position in the province of Hunan.This article takes the issue of microloan company supervision in Hunan province as the research object.First,it introduces the background,purpose and significance of this article and combs the relevant literature at home and abroad.Second,it explains the theory of microloan company and its supervision.This paper analyzes the problems existing in the supervision of small loan companies in Hunan province from the perspective of game theory,including legal positioning,regulatory content,credit management and market withdrawal mechanism.Finally,based on three aspects: improving relevant laws and regulations,improving operating supervision rules and establishing a perfect credit collection system,a series of countermeasures and suggestions are put forward for the sustainable development of small loan companies in Hunan province.