Research On Legal System Of E-commerce Microloan Company

E-commerce microloan company as a measure of financial innovation in China isbooming development. Alibaba finance is a signal that E-commerce companies arebeginning to involving financial business. In addition to Alibaba, the Suning, Jingdong,Treasure Island, Netsun also begin developing their own path of financial services aretrying to build their own financial trading platform. As fresh affairs, relevant regulationsof e-commerce companies to carry out microloan business are inadequate.In this paper, by using comparative analysis, theoretical analysis and empiricalresearch methods to the e-commerce microloan companies, especially through the Alibabaoperation mode and development status of research, analyses the present e-commercecurrent situation and characteristics of microloan companies. Then connecting with thepractice experience of international network microfinance, respectively, from the legalnature of e-commerce microloan company, legal norms and the future development ofmicroloan company legal system in China is pointed out the problems andcountermeasures to improve. In order to improve the system of the various ways to makeour country e-commerce microfinance company to achieve its rapid booming!This article mainly discusses from the following four aspects:First, an overview of e-commerce microloan companies. This part of the microloancompany Alibaba example to introduce the definition, characteristics, nature and thedomestic situation of e-commerce microfinance, and then through an introduction to theanalysis of foreign network microloans, for subsequent discussion laid a theoretical andpractical basis.Second, analysis of China’s e-commerce microloan companies’ legislation presentsituation and problems. By combing research of the related legal system in our country,draw the law in our country at present problems and should be further perfect. In order tosolve the conflict on the property provisions, making it clear e-commerce microloancompanies as non-bank financial institutions, thus more conducive to the e-commercemicroloan companies’regulation and future development. Third, according to the second part analysis the problems, this paper will put forwardsome countermeasures and Suggestions that from the inside to improve the operatingregulations and company’s external perfect regulation, establishing a set of feasible rulesand regulations. Meanwhile the local government should increase support for e-commercemicroloan companies on financial and policy, in addition to the government should plan toupgrade and exit mechanism, for expanding their living space.Fourth, The future direction of development of e-commerce microloan companies.Based on the research and study of e-commerce microloan companies’ positioning andlegal system, for transformation and upgrading of e-commerce microloan companies putforward opinions, hope e-commerce microloan companies to succeed to thetransformation of the network bank.To fill the vacancy for our country with independentlegal personality of the network bank, for the whole financial reform and innovationcontribute a meager strength.