Study On The Sustainable Development Of Small-loan Company Of China

Small-loan Company is a natural person, corporate investment to establish their socialorganization, does not absorb public deposits, small business loan business of the limitedliability company or limited. Compared with banks, Small-loan Company more convenient,rapid and suitable for small and medium enterprises, individual industrial and commercialhouseholds funding requirements; compared with private lending, microfinance morestandardized, loan interest can be negotiated. In recent years, Small-loan Company has beenrapid development, but as a kind of "quasi-financial institutions," there are still manyconstraints to further development of its serious problems.The article is divided into four parts.The first part is theoretical overview of Small-loan Company. This section describes themicro-credit, Small-loan Company and Small-loan Company the concept of sustainabledevelopment of the content. Also carding again feature of Small-loan Company, developmentprocess and the role of significance.Analysis of the impact of the second part of our sustainable development of Small-loanCompany the main problems is difficult. Through analysis of the company’s existing smallloan laws, combined with the Small-loan Company operating practices for the specificinvestigation, it is clear that the legal status, operational restrictions and supervision in thesethree areas outside the main problems resulting Small-loan Company difficult to sustainabledevelopment.The third part introduces the foreign company’s successful model of microfinance anduseful experience. Up to now, there are more successful Grameen Bank, represented bymicrofinance model to the People’s Bank of Indonesia, represented by bank micro-businessmodels to the Bolivian Foundation for International Community Assistance village bankingmodel, represented by the three microfinance mode. By introducing these three relativelysuccessful model in order to be able to explore a line with China’s specific national conditionsof Small-loan Company benefit sustainable development.The fourth part is to promote the sustainable development of Small-loan Companyrecommended legal system, but also the most important part of this article. The partial remedyput forward three main aspects of the promotion of sustainable development of Small-loan Company legal system recommendations: First, a clear legal status, to develop a " unifiedMicrofinance Law"; Second, the government should take the initiative to open only "visiblehand" Small-loan Company who in many unreasonable restrictions imposed to return to the "rule of law and market economy" rational track; Finally, only a combination of internal andexternal establish a sound regulatory system in order to effectively solve the microfinanceoutside the company encountered the absence of regulation, the problems of weak internalcontrol mechanisms.