Monographic Study Of The Government Regulation And The Countermeasures Of Small Loan Companies In Sichuan Province

Small loan companies run complements banking space, for our small and micro enterprises, and other financial services to improve low-income groups have a very important role, and help regulate private lending, to alleviate rural, small and micro enterprises, individual industrial and commercial households financing problem, but bear compared to banks, small loan companies with relatively high operating costs and risks, face more difficulties and problems, such as the nature of the unknown, positioning vague, limited financial resources, and other relevant mechanisms are inadequate. If not promptly and effectively resolved, will likely have a negative impact on regional finance. Therefore, the Government must consider how to play its supervisory and regulatory role. Sichuan is the first microfinance pilot provinces, has its unique place in terms of the geographical environment, economic development and so on. In 2008, after experiencing two earthquakes in 2013, reconstruction also need financial support. In such a special development environment, small loan companies in Sichuan provinces than other companies have more complex development environment, for supervision of local governments in Sichuan, means more challenges.This article describes the case of research and development status of the concept of small loan companies and small loan companies at home and abroad, analyzes the development trend of domestic and small loan companies, small loan companies from regulation of the industry, norms, risk control and circumvent the urgent practical needs to start, government regulatory principles for small loan companies, model, features, functions, methods and legal basis for expansion, following the general idea of combining theoretical and empirical research in order to develop policies microfinance companies in Sichuan Province problem for the spindle, through the analysis of the status quo of small loan companies, in recognition of its promotion of the market economy, to solve the financing difficulties of SMEs and other issues at the same time, pointed out that many problems that currently exist. Local government service management in the absence of the phenomenon, resulting in outstanding positioning system design issues, legal issues, regulatory issues and other problems of development and growth of small loan companies to analyze factors summarize the current microfinance industry in our province regulatory normative work problems, analyze the reasons for the problems, described the practice of microfinance companies in our province standardized management and effective monitoring mechanism construction, as well as the effectiveness of existing problems, and finally offer suggestions for standardized management mechanism construction microfinance industry. Through the reasonable position of small loan companies, and from the sound legal system, a clear regulatory authorities, and other aspects of starting to play a regulatory function, regulate the establishment of small loan companies, operators, in order to better promote the healthy and rapid development of the industry.