Research On The Micro-credit Company Supervision Behavior

The Micro-credit Company has attracted wide attention since it emerged. It is significant in the relief of difficulties in the financing of rural residents and small and medium-sized enterprises. In2008, the People Bank of China and the Bank Supervision Committee issued the Guidelines on micro-credit Company. Micro-credit companies are non-banking institutions in China,which only credit but not deposit. The pilot in Liaoning has started since the end of2008.The micro-credit company supervision is still in the preliminary stage. How to improve the existing supervision in the future development?To address this question will doubtlessly have great theoretic and practical significance to the healthy,standardizing and sustainable development of the micro-credit companies.In the70’s of the last century,Dr. Yunus founded the Grameen Bank in Bangladesh and has achieved tremendous success.The abroad research is earlier and deeper, but the situation is different, the micro-company is still a new industry in China. The home research is still at the starting stage; meanwhile, most of the research is about the micro-credit company’s sustainable development.In this paper,micro-credit company supervision is the research object.The supervision in Yingkou area is responsible by the Finance Office of the Municipal People’s government. Since the pilot project launched, it has practiced in the province unified regulatory framework for4years. This paper is divided into four parts.The first part introduces the micro-credit company’s research background and significance, research status at home and abroad, the research thought and method,the concept of micro-credit and micro-credit company Secondly.it definite the objectives of micro-credit company supervision, that is:to prevent the emergence of social risk, promote the healthy and sustainable development, and guide it to achieve its social objectives. By using the SWOT analysis tool, it determines the WO strategy accompanied by the WT strategy on the supervision of micro-credit companies based on the summarizing of the advantages, weaknesses,opportunities and threats.The third parts introduces the existing experience of domestic and abroad.At last,it gives the policy recommendations for the supervision. All of these are helpful to achieve the aim of scientific supervision.