Research On Legal Problems Of Small Loan Companies

The emergence of Micro Credit Companies creates opportunities for private capitallegalization; the dispersion of risk of financial products has opened up new channels.However, the Micro Credit Companies also appeared many problems in the operationof our country. How to determine the nature of the company, market access, businessrules and regulatory requirements, is a new topic. In the financial supervision system,one is the current legal system related to the regulatory body, regulatory content, theway of supervision and regulation standards in confusion, policies and regulations ofthe Micro Credit Company management intervened too much; two is the existence ofa large number of system blackout. Therefore, it is necessary for actual situation ofChina’s Micro Credit Companies, the foreign successful experience for reference,formulate a unified micro-credit legal system, so as to solve Micro Credit Companylaw issues, promote the healthy and orderly development of. This paper hopesthrough systematically sorting out the previous research results, and proposed myown view based on the understanding of the system.This paper is divided into four parts. The first part is a Micro Credit Companyoverview. Micro Credit Companies from the emergence and development, the natureof Micro Credit Companies, small loan companies and other similar institutionssimilarities three aspects are introduced, highlighting the small loan companies onChina’s role in the financial system.The second part describes our small loan company’s legal system and its flaws. InLaw Analysis, combined with economic analysis and ethical analysis of researchmethods, mainly from the establishment, operation and supervision will besummarized in three aspects.The third part, microfinance institutions abroad, legal risk prevention mechanismand its Enlightenment. To the introduction of foreign representative sample of thepremise, combined with China’s actual situation related to the financial sector,selectively sort out the legal mechanism of risk prevention abroad beneficial enlightenment to China.The fourth part of the "Improvement of small loan companies legal mechanism ofrisk prevention recommendations" in the legal argumentation improving riskprevention mechanism for path selection and theoretical basis, the system combingvarious types of legal risk prevention mechanism, put them into a unified legalanalysis framework.The fifth part,"Conclusion" to further improve the small loan companiesprotruding legal mechanisms for risk prevention urgency and importance, and toshow that the problem is not a short span of time, explore the article is only a usefulattempt.