Small Loan Company Legal Regulatory Issues Research In Our Country

The production of small loan companies in China, make up for the credit gap between companies and Banks, for "agriculture, rural areas and farmers and small miniature enterprise financing channels found a reality. In 2005, small loan companies in shaanxi rich equality in seven pilot, its development trend showing a thriving scene. In the China banking regulatory commission and the people’s bank of China on the small loan company pilot guidance "(hereinafter referred to as the " guidelines "), the rural financial service, small loans company to guide the development of the folk financing standardization function out of the horizon, also entered a new stage of rapid development. But we should clearly see, our small loans company development at the primary stage, related legal system is not sound, the existing normative documents issued just the development of a general framework is given, and the legal regulation for small loans company only gives the opinions of the principle, to form a complete set of regulatory agencies, regulatory content, system and so on all have no clear and refined. In addition, there is no high rates of protection of small loan company law legal safeguard, exist many problems such as serious restricted the sustainable development of small loan companies. Visible, to realize the sustainable healthy development of small loan companies, for it is very necessary to study the legal regulatory framework.This article is divided into five parts. Begin from small loans company legal regulation of aspects such as introducing the research background, research significance, the second part of combing the legal nature of small loan companies, legal, regulatory concept, elaborated to the small loan company in China the significance of legal regulation. The third part through the analysis of the status quo of microfinance company law regulation, find out the existing problems, and combined with the actual to carry on the deep analysis of the reasons. The fourth part introduced the United States, Bangladesh and Indonesia micro-credit legal supervision system. The fifth part according to the above the problems of legal regulation, legal regulation in perfect microfinance company thinking, the author thinks that should improve regulatory legislation, regulatory agencies, regulatory content, etc., play to improve the system of legal regulation related, realize the sustainable healthy development of small loan company.