Improvement Of Legal Mechanism For Risk Prevention Of Chinese Micro-loan Company

As the highlight of"incremental reform"in rural financial market, the micro-loan company inspired the vitality of private capital, effectively alleviated the problems of rural finance, and becomes the fastest growing new-type rural financial institutions. But as a new thing, the micro-loan company encountered many difficulties in its development process, questions focused on interest rate options, governance structure, financing channels, and other aspects. Carefully analyzing these problems, we can find that they all come from imperfect legal mechanism for risk prevention of micro-loan company. This article is written based on this point.The thesis is divided into six parts:The first part is the introduction, in view of rural financial market, elaborating the theory value and practical significance of legal mechanism for risk prevention of micro-loan company, introducing the research situation at home and abroad, explaining the emphasis of the study, the thinking method and innovative points.The second part is the overview of legal mechanism for risk prevention of Chinese micro-loan company, through the choice of existing views, scientifically define types of risk micro-loan company faces, fully discussed the functions and features of legal mechanism for risk prevention of Chinese micro-loan company, laid a solid theoretical foundation for further research.The third part is the defects of legal mechanism for risk prevention of Chinese micro-loan company, in the framework of"quartering", using law analysis as main method, complementary with economic analysis and ethical analysis, thoroughly analyzed the defects of legal mechanism for market risk prevention, credit risk prevention, liquidity risk prevention and operational risk prevention.The forth part is the investigation and enlightenment of legal mechanism for risk prevention of foreign micro-loan institutions, with the introduction of foreign sample as premise, combining the reality of Chinese rural financial field, selectively sort out beneficial enlightenment of foreign legal mechanism for risk prevention for China.The fifth part is suggestion to improve the legal mechanism for risk prevention of Chinese micro-loan company, after demonstrating the route choice and theoretical basis of improving the legal mechanism for risk prevention, systematically combed various types of legal mechanism for risk prevention, put them into a unified framework for legal analysis.The sixth part is the conclusion, further highlight the urgency and necessity of improving the legal mechanism for risk prevention of micro-loan company, indicated that this question can not be resolved in short term, this discussion is only a beneficial attempt.