Research On Incentive Of Small Loan Company Supervision Of Jiangsu Province

The generation of small loan company has opened up a legal way to private capital, supplied loans for farmers and SMEs, broke the monopoly of rural financial sector and brought in the competition. The small loan company has made a significant contribution to three agricultural issue and construction of socialist new rural communities.With the small loan company pilot promotion in various places, small loan companies in rural financial sector supervision issues become important issues of concern, but the domestic research of small loan companies stalled in the easy analysis and concept defining, and the study perspective focused on the legal aspects of the selection.This paper introduces the principal-agent incentive theory, using theoretical analysis and case studies to explore the current regulatory mechanism, small loan companies and regulatory goals conflict, and proposed a new incentive mechanism designed to eliminate goal conflict, promote regulatory goals.The study is divided into three parts:the first part is incentive problems of the regulation of small loan company from a theoretical and practical analysis by drawing on the traditional theory of financial regulation, then introduce the principal-agent framework and the incentive regulation theory. The second part of the analysis of small loan companies regulated by the principal-agent relationship, goal conflict, the use of game analysis and organizational behavior paradigm, indicating the motivation to achieve the objective of the regulatory mechanism, then analyze the objective conflicts through case studies of macro and micro data on the current status of the incentive described.In the third part, the study try to design a new incentive mechanism to promote small loan companies in the security and stability, realizing the sustainable development and guarantee loans goals, and contribute to the development of three agricultural issue.