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On Legal Risks Of Micro - Credit Companies

Posted on:2016-06-20Degree:MasterType:Thesis
Country:ChinaCandidate:J X ZhuFull Text:PDF
GTID:2206330461998287Subject:Civil and Commercial Law
Abstract/Summary:PDF Full Text Request
Micro-credit company is a new kind of loan organization which is burgeoning in china, constituted by limited liability system, meanwhile readjusted and constrained by corporation law. In the past years,micro-credits had a good effect on regional finance, it correct private lending and brisk private finance, has a great contribution to financing for farmers and micro businesses. But it also has tremendous risks because of its distinctive manage constitution and law status.Those risks threatening micro-credits companies sustainable development,even it’s future.This article focuses on the law risks that micro-credit company is facing and try to give some feasible suggestions.In the first section, The writer mainly interpret the background of topic selection and the research status at home and abroad, providing theoretical foundations.In the second section,this article introduced the conception about micro-credit company,the characteristics in law,and it’s importance in China.The writer also indicated the overall development of whole world micro-credit companies and the current situation of Chinese micro-credits that affected by micro credit’s ideas.In the third section,this article analyzed lots of micro-credit’s risks reasonably, pick the most apropos risks that micro-credit met in civil and commercial businesses to discuss.Compare with the traditional analysis methods,the writer illustrates my academic viewpoint by micro-credit’s civil and commercial businesses risks.In capital risk,this article refined two questions of all risk to analyzed,one is the less of the capital base and the two is capital fracture of bad debts,detailed introduced them. In credit risk,this article comment about credit investigation risk and subject default risk,find the regularity of micro-credit based on it’s market positioning, trace the factors of it’s credit risk.In operation risk and the risk of exit, this article comment by analyst the manage and company structure realistic problems.In the fourth section,after did lots of quality and quantity searches,the writer fund that micro-credit company is a developing and perfecting industry. Not only has newly risks but also newly chance.The benefit of micro-credit companies has chance and risk,too. Because of cut risks off blindly will make benefits drop,this article give innovative suggestion that make a newly financial platform.This platform based on the asks of steady micro-credits businesses, it have great help for the future of micro-credit companies, effectively remit the capital fracture risk.The writer suggested perfect credit mechanism and strengthen against credit risk, higher the warning level of operation risk and the risk of exit.Part of my suggestions are still in trial stage,even immature.I hope researchers in future can give some new ideas.
Keywords/Search Tags:micro-credit company, risk, legal prevention
PDF Full Text Request
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