Theory Of Microfinance Institutions In Our Country Legal Regulation

Microfinance is a new thing, after the rapid development in recent years, which relieves the problem of small and medium-sized enterprise capital turnover.but,With the development of small loan companies, exposed problems will follow, The root cause is regulatory content demanding,The regulatory system and regulation law is not sound. Such as there is no clear regulation subject system, the various regulatory agencies don’t know their own duties and power; The above factors lead to small loans company when faced with a problem, with destruction. The small loans company encountered problems, namely development dilemma in our country, For small loan companies in our country the legal status of regulation is less, the law level is low, legal status of the small loan companies in our country, in terms of regulation, also does not have the relevant laws and regulations.Observation of small companies operating in China business, will find that it is the main business of lending, the financial But its in the name of companies and financial institutions, the real cause of the "commercial bank law" does not apply, so is not consistent with what small loan companies operating the actual business. Another aspect, and the bank loan guarantee has stated in different detailed,The investment of investors enthusiasm affected by collateral rules. A third area, in the small loan company’s regulation, according to the guidance of the related regulations, the China banking regulatory commission is not regulated small loan companies, but by its local relevant government agencies responsible for regulation.This article studies the legal regulation of our country’s small loan companies. It generally includes the following chapters, the first chapter analyzes the definition of small loan institutions and regulatory and the necessity of the regulation; The second chapter through "about the small loan company pilot guidance" and "on village Banks, loan company, rural fund support, small loans company announcement concerning the policy Analyze the present situation and problems of small loan supervision; Thus lead to the third chapter to the analysis of the causes of problems of small credit regulation; The fourth chapter through the comparison between China and Bangladesh, India and other countries, concludes that our country legal regulation in small loan company experience; The fifth chapter is to solve the problem, by improving the legislation level, reduce market access, strengthen risk supervision, perfect the market exit system and improving the law system of form a complete set of effective method, for how to improve the legal regulation of small loan companies, pointed out the direction of more healthy development.