Exploration Of The Problems Of Legal Regulation On Our Country Nonprofit Microfinance

Since 2004, the Central Document No1 repeatedly to expand the rural financial market access, and develop micro-credit. Many of countries are also developing micro-credit that has made outstanding contributions, Bangladesh, Indonesia's micro-credit organizations are successful. In view of extraordinary achievements that international micro-credit in support of vulnerable groups have made, the PBOC and relevant ministries are carefully studying the micro-credit organizations practice. In accordance with"first experiment, and explore the experience, make plans, then gradually promote in appropriate area", it began to explore the development of micro-credit. But the PBOC paid more attention to commercial micro-credit, non-profit micro-credit is still playing an embarrassing legal role.The object is that the legal problems existing our country regulation of non-profit micro-credit. This paper analyses and evaluates the domestic actuality of non-profit micro-credit legal regulation, with the experience of Tianjin Foundation for Youth Entrepreneurship and Employment, and based on some countries'experiment which have been good developed on non-profit micro-credit legal regulation. What's more, it will also put forward perfect consideration for the legal regulation of non-profit micro-credit in our country.Chapter I outlines the general situation of non-profit micro-credit in our country. It defines the non-profit micro-credit, and then describes the character of non-profit micro-credit, with the case of Tianjin Foundation for Youth Entrepreneurship and Employment, and expounds its actuality and bottleneck; Last it reveals the situation of non-profit micro-credit legal regulation.Chapter II discusses the necessity of legal regulation. Through analysis on our non-profit micro-credit laws regulating deficiencies, it points out the necessity of improving legal regulation.The third chapter sums up experience of international non-profit micro-credit organizations for reference. The chapter analyses and evaluates Grameen Bank and American legal regulation of non-profit micro-credit, then it puts forward consideration for legal regulation of non-profit micro-credit in our country.The fourth chapter discusses the measures of legal regulation of non-profit micro-credit. It sums up experience of Tianjin Foundation for Youth Entrepreneurship and Employment and international organizations. In the Perspective of legal status, government relations, regulatory system, the credit mechanism, this paper puts forward some measures of improving our legal regulations.The fifth chapter given thought to the direction of China's non-profit micro-credit regulation. First, it evaluates the legal regulation of China's micro-credit system, then concludes with the regulation development of China's micro-credit proposals.