| Small and medium-sized enterprises (SMEs) are an important force in Chinesenational economic and social development, which plays an important role indeveloping economy, promoting innovation, expanding exports,and increasingemployment. With the introduction of the SMEs support policies to develop economyin our country, the micro-credit for small and medium business also attaches greatimportance to the banking institution. As the high degree of micro-credit developing,there are still many problems, for instance, the urgent need to standardize rectifyfinancial order. It is widely recognized that micro-credit refers to financial servicesprovided to low-income populations and micro-enterprises in international world. Itincludes microfinance services in both rural areas and urban areas. Microcredit mainlyservices for agriculture, countrysides, farmers and SMEs in China. This paper makes astudy of the SMEs in the microfinance services. From the very beginning to today,microfinance is the pursuit of sustainable business development and the goal of loancoverage. At present, the diversified microfinance model is gradually being integratedinto the formal financial system from the international scale, and the significantprogress has been made from the vertical development in China. In recent years thecentral policy documents indicated the direction of Chinese financial system reform,established the guiding ideology for the microfinance development policies,departmental rules and local laws, futhermore, that has played a significant role inpromoting the development of the microfinance industry. But in the horizontal aspect,comparing with international microfinance countries and regions, Chinese smallcredit is still in the primary stage, and the relevant policies and regulations remains tobe perfect. Thus full text focus on microfinance supervision system of bankinginstitution and other legal problems are studied.From a legal perspective, the author has given a research on the problems ofbanking institution in microfinance. The article is divided into four chapters;First, the introduction section, combing the relevant laws of the research banking institution in microfinance research both in domestic and foreign country, thisstudy concluded that banking institution microfinance has a very urgent and realisticsignificance.Second, the overview section, which discussed its concept, historicaldevelopment and the influence of micro-credit,and at the same time, analyses thecurrent situation of the development of small loan bank in our country, the legalCurrent Situation and legal issues exist in the microfinance of Chinese bankinginstitution.Third, the part of enlightenment, which studies the development of small creditlegal system in advanced countries, and sums up the experience can be used forreference.Fourth,the advices on improving the legal system of micro-credit of bankinginstitution in China. Five areas to improve the legal and regulatory system of Chinesebanking institution, which refers establishment of the warning mechanism, theconstruction of good faith legal system, formulation of bank information managementlegal system, and improvement of our country commercial bank law regulationsystem. |
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