On Legal Problems Of Small Loan Company

In May 2008, the China Banking Regulatory Commission and the people’s Bank of China jointly issued the guiding opinions on the pilot of small loan company. (the China Banking Regulatory Commission (2008) 23) (hereinafter referred to as the "guidance"), The state will make small loan companies into the regulation, small loan company obtained a legal status.Through empirical analysis and comprehensive analysis, combined with the actual situation of the development of small loan companies, after the study of the financial supervision system of our country, respectively from the legal status of the small loan companies, supervision system, internal control system baking proposed the idea of a legal framework for the component, to provide legal guarantee for the development of small loan companies, to solve the institutional defects existing in the development of the industry, to ensure the long-term healthy development of the industry, provide strong support for the economic development of our country.This paper is made up of three parts. The first part is the development and value analysis of the small loan company, the development process of the small loan company, and the development of the legal system of foreign small loan companies, and the value of the small loan company. In the second part, the paper expounds the concept and legal nature of the small loan company, analyzes the legal attributes of our country’s small loan company, and puts it into the financial institution, and puts forward the suggestion of strengthening the legislative level and the legislative level. The third part is the establishment of small loan company, the existing conditions for the establishment of a summary and analysis of the access mechanism to be improved and reasonable. The fourth part is the focus of this paper, mainly for small loan company in the existing legal problems in the existing legal issues, and finally put forward the corresponding solution.