On The Supervision Of Micro - Credit Companies In China

Our country started in2005commercial microfinance pilot work of the company. Since its inception small loan companies, academic controversy about its regulatory problem has never stopped. The controversial problems of regulation often come from the qualitative to microfinance company. The qualitative problem, some scholars think that small loan company is a financial institution, some think that is a financial institution, and the scholar believed to be accurate financial institutions or financial institutions. Relevant regulatory issues, some scholars think that nowadays the regulation for small loan company has excessive, but some scholars believe that the current regulation for small loan companies in shortage. This article mainly revolves around the two problems, and analysis the internal relation between them, the analysis of the standard is established. Through the analysis found that whether the small loan companies need financial regulation is judged to be the basis of financial institutions and non-financial institutions. Through argumentation, small loan companies do not need financial regulation, so is a financial institution. But don’t need to financial regulation does not mean that the small loan company does not need any regulation, based on the current government non-market regulation of small loan companies, small loan companies also need administrative regulation. But the future trend of the development of the small loan company regulation must be weakening the strength of the administrative supervision, and may be involved in financial regulation, realize the diversification of regulatory mode.