Promote Legislation To Protect Research Microfinance Company

In2005, small loan company was carried out the pilot work in some of the provinces in China. With the first batch of company’s success, CBRC and PBC common published some regulations in May of2008. Afterwards, small loan company was developed in China.Since development, the small loan company was paid great attention by governmental capital and nongovernmental capital, but the legal system of small loan company still need to be perfected. In this article, I will take the literature survey and comparative analysis as main methods. And from the promotion of small loan company’s development, I will research how to improve the legal system.This article is divided into five parts. The first part is the birth and development of small loan company, mainly is the meaning of microfinance, the international and domestic small loan’s development,and the present situation of China’s small loan company development and the significance; The second part is to told the small loan companies’existing problems, mainly from the concrete practice, analysis of formation, such as legal system of the problems and small loan companies themselves risks, etc.; The third part is a small loan company law system analysis. Based on the national level of small loan company law system research and some provinces’system comparison, this part is to look for how improve some of the legal system; The fourth part is foreign microfinance development experience and enlightenment. Germany and India have developed small loan earlier than China, so they have certain experience to China’s small loan company development. This part focuses on the development of the two countries model introduction, summarizes the advantages and disadvantages, so as to contribute to the success of the model established; The fifth part is to strengthen legislation to protect small loan companies. Through the analysis of the above sections, the author put forward suggestions on how to promote the development of small loan companies, to strengthen the legislation, and the meaning of the legislation, means and methods elaborated.