Research On Governance Structure Of Small Loan Companies

In our country, a small loan company is a limited company which is established by natural persons, legal persons and other social organizations, and it does not absorb public deposits, running small loan business instead. As a new thing, it started from2005, faced with many problems in the development process. On small loans of corporate governance is good or bad, directly determine the health development of the small loan company or not. At present, there still exist some problems in small loan companies in China’s internal governance structure construction and external risk control system architecture, As for the supervision of small loan companies, there are fuzzy barriers due to its positioning of the legal nature. Therefore, for all aspects of the governance structure of the small loan companies, the use of a comprehensive study of law and economics perspective to build the company’s overall system of microcredit to promote the healthy development of small loan companies, has a positive meaning.The paper is divided into four parts.The First part is about the small loan company overview. This part, through the analysis of the basic theory of the concept and features of small loan companies, is to clearly define the nature of the small loan companies, clarify the nature of the positioning of the small loan companies, and make sure of the legal property of the clear microcredit non-bank financial institutions.The second part is about the study of the basic system of small loan companies. This part of the basic system of small loan companies is mainly from two angles of internal operations and external supervision. On the one hand, through the internal governance structure of small loan companies and external risk control mechanism, we analyze some problems in the basic operating system for small loan companies, to make relevant recommendations. On the other hand, research and analysis of small loan companies regulated by the laws, should follow the principle of profiling in the regulation of small loan companies, as guidance for building a specific regulatory system.The third part is about the Comparative Study of the mode of operation of small loan companies. The part of the perspective through international comparative studies of microfinance institutions, through comparative investigation of the operation mode of the microfinance institutions abroad, learned from the successful experience of foreign countries, the mode of operation of the small loan companies in China is to build the relevant recommendations.The fourth part is about small loan companies’future trends research. The part mainly focuses on research in the future the possibility of transformation of small loan companies and analyzes small loan companies transition to the pros and cons of financial institutions and non-financial institutions and strives to make small loan companies have a better direction in the future development of the process.