A Legal Study Online Small Loan Companies

As China's economy the most dynamic groups-small and micro enterprises in the promotion of entrepreneurship and public Internet technology, increasing the number of its funding requirements rise. Due to the high threshold limit of existing commercial bank lending funds, driven by big data technology of the Internet, similar to Alibaba Group's online access to development of small loan companies, small micro-enterprise financing from line to line. Online small loan company is China's small loan companies and Internet technology fit the product, to a certain extent, to overcome the traditional small loan lending companies face asymmetric information caused credit problems, while avoiding the loans can not schedule shown recovery risk. However, the online small loan companies in general do not completely solve the legal issues related to small loan companies, while the particularity of its loans resulted in some new legal issues. This paper uses a comparative approach, from the definition of small loan companies, characteristics and development process to start, the lead development background and characteristics of small loan companies. In the affirmative offline and online small loan companies the same properties as the premise, to regulate online small loan company policy and legal basis for induction and comb, using empirical research methods, from a legal point of view on the current development of more mature for case presentation and analysis of ant small loan to set up, operational, legal and regulatory status of the legal relationship, so as to cause precipitation of the missing special law legal status online small loan companies-Alibaba Group's online small loan companies fuzzy, lead to legal and regulatory issues company existing and to propose appropriate legal countermeasures issue.