Legal Supervision Research Of Microfinance Companies In China

Since 70s in the 20th century, the very kinds of microfinance have been already developed widely in Africa, Asia,and Latin America, anduntil now, it has been become a great international movement. Although,the history of microfinance is only more than ten years, it has been developing quickly in our country. Especially, with comprehensive microfinance developing of project of Rural Credit Cooperative, the microfinance companies,which are"only loan, no deposit",were built,and civilian capitals were used in the market of microfinance, the microfinance companies, Use the social funds raised, Actively promoting the legalization of private finance, and regulation, Covered by the formal financial difficulty for farmers and SMEs, micro-loans, made important contributions to its development. However, our microfinance companies is still in the initial stage, Although Gained acceptance in the society, with a more relaxed environment for the social system. Face of the complicated economic and social backgrounds, opportunities and challenges.how to supervision the microfinance companies effective become worthy of study.The object is that the legal problem existing our courty supervision of the microfinance institution. The paper analyses and evaluates thedomestic actuality of the microfinance, and based on some countriesexperiment which have been good developed on microfinance, what's more, it will also put forward perfect consideration for the consummation from lawmaking suggestion for the microfinance institution Supervision in our country.This object is divided into four chapters.The chapterl outlines the general situation of microfinance companies in ourcountry. It defines the microfinance companies and then describes the character, and expounds its international and national history and actuality of microfinance; last, make a distinction the microfinance companies with Other financial organizations.The chapter 2 Comparison and analysis the foreign micro-credit institutions and regulated by the laws.The chapter summarizes actuality and the pattern for the microfinance development of international organizations, and researches for their intendance in well developed countries and focuses on framework, content, and guideline.Then the paper results the revelation for managing microfinance in domestic.The chapter 3 Analysis the situation of microfinance companies and regulatory shortcomings and the Lack of legal regulationThe chapter4 proposes the reflection for consummating theregulation of microfinance companies in our home.the chapter described the necessity of legal regulation firstly and then advance the reflection of the consummation of lawmaking for the intendance of microfinance companies in our country from the subject of Regulation options, principles established, the content of clear, sound legal system and auxiliary means and so on.