Study On Micro-credit Supervision Legal System Of Banks

In recent years, there are many issues in the operation of commercial banks in thecredit markets. Firstly,the increasing competitive pressure of markets,commercial bankshave been facing more and more severe pressure from competition of foreign banks andother domestic banks.Secondly,excess liquidity makes the bank must control the loanquota.However,it is difficult to solve the problem in finacing of SMB and people on lowand middle incomes.At this point,many commercial banks want to widen the creditmarket and find the holes of profitable growth,Micro-credit is the key. Then micro-credit business strength to strength.However, our country’s Micro-credit Supervision Legal System of Banks is notperfect, such as supervisory system of review loan pre, crdit inquiry managementsystem of the review in the bank loan, ascertaining the responsibility for breaking acontract in post-lending maintenance period and so on.Ofcourse,there are many flaws ofthe related system on the internal development of commercial banks.Therefore,study onmicro-credit supervision legal system of banks will have major implications for thegrowth of micro-credit.Aiming at the characteristics of bank micro-credit business, this paper is going todiscuss the importance of enhancing the legal supervision of it from the view point oftheory and reality. It will also propose some system consummation countermeasuresbasing on the summary of the circumstance and problems of micro-credit supervisionlegal system in our country. This article includes seven parts:The first part is the introduction that outlines the study and the current researchstatus.The part of introduction presents the meaning of this paper,the theories andmethods and major point innovation and deficiency.The second part discusses generallymicro-credit supervision legal system ofbanks.First of all,it defines the related concepts of micro-credit of bank and analyses thecharacteristics of the micro-credit of bank and its regulatory activities.Then on this basisthis paper puts forward the concept of micro-credit supervision legal system of banksand the legal relationships.The third part is theoretical and practical basis of micro-credit supervision legalsystem of banks.The former analyses institutional foundation from the perspective ofeconomics and economic law.The latter put forwards the necessity of the supervision system based on the characteristics of commercial banks business and micro-credit.The fourth part comparatively analyzes the domestic and foreign practices ofmicro-credit supervision legal system of banks,and supplies some the enlightenment ofexternal experience.This chapter points out regulation models and related systems ofmicro-credit in different countries.The writer compares and attempts to probe theoverall character and personality.Finally summarizes some enlightens we can gain fromit are also discussed.The fifth part is on the status and the problems of micro-credit supervision legalsystem of banks in China.This includes a general statement on supervision legalsystem,a explanation of each of the statutes according to the different constraintobjects.Meanwhile,this part summarized the existence question on basis of liabilitysystems,restrictioninstitutions,protectionsystems,something the current systems lack.The sixth part has carried on the analysis take the micro-credit of PSBC as theexample for institutional inmprovements of micro-credit supervision legal system ofbanks.The supervision contents are detailed based on the exact process of micro-credit.The consummate suggestions of liability systems,restrictioninstitutions,protectionsystems are raised at the height of sustainable development of micro-credit.In themeantime,the assistant mechanism of supervision should be perfect,this includes theconstruction of the credit information collection system,pricing mechanism mode,thelegal responsibility system.The last part gives the conclusion and prospect of the paper...