The Research Of The Samll Loan Company's Government Supervision Problem In Qinhuangdao City

In 2009, qinhuangdao officially start the small loan company pilot work throughout the city. Along with our country economic development speed accelerating, the market is active degree enhances unceasingly, more and more small and medium-sized enterprises in the market, has injected new vitality to the economic growth of our country. But along with the increase in the number, the market demand for money and resources increases gradually, also for microfinance market in China has brought great pressure. In this case,you have lending speed, time is short, flexible interest rate pricing mechanism of small loan companies because it has can well meet the demand of small and medium-sized enterprise loan this characteristic, gradually received attention and support of the country.By China's current economic policies and development direction, we solve the problem of financing difficulties of small and medium-sized enterprises, to promote our country market economy prosperity and social stability has very important significance. At present,the small loan company's regulation, the city government practice and research is still in the exploratory stage, some counties of small loan business is in a mess, appear easily operating risk. Strong in the face of the city of "open city, industrial city, tourism city,cultural city" development strategy, to promote financial innovation and opening to the outside world, enhance the role of the financial support and service main body, to do a good job of government supervision small loan companies, is the want problem discussed in this paper. Purpose is to achieve on the one hand, promoting the healthy development of small loan companies to promote local economic prosperity, on the other hand to ensure the safety of financial market in our city. At the same time, to make our city into a northern hebei important regional financial center, for the construction of qinhuangdao"one card of all three areas, a provide solid financial support and assurance.Query method in this paper, through literature, comparative analysis and system analysis to study this problem. First of all, this article through to the nature of small loan companies and government departments, regulatory model investigation and research, for the follow-up study of this paper have laid a solid theoretical foundation; Second, throughthe literature and collected many in web search way and development of small loan companies and running of the relevant data, the development of small loan companies in China and the survival of small loan companies in qinhuangdao is analyzed, various problems existing in the development of small loan companies and government departments is the regulatory way of study; Again, in this paper, based on the current our country based on the development status of small loan companies designated by the new policy, and combining the actual situation of government regulation in qinhuangdao study,puts forward some effective improvement of qinhuangdao local microfinance company government monitoring effect methods and measure, in order to help the smooth development of the small loan company in China to eventually to promote the smooth development of small and medium-sized enterprises in our country, the role of active market economy.