Research On Legal Problems Of Mirco Credit Company

Since 2005,the people’s bank of China began to advocate commercial microfinance,try the first microfinance pilot,as a kind of existence and form of innovation,the petty loan company has played a dominant role,made the financial market stable healthy development.Small loan company’s service object is given priority to low-income groups,grant amount to low-income individuals and small business owners to give priority to small amount and short time limit of microfinance,it is mainly used for management and production activities.The emergence of small loan companies is conducive to standardize financial market order,and the circulation of the folk financing and private capital has played a guiding role.Small loan companies is different from the commercial bank,small micro enterprise provides a convenient as well as urban and rural people.However,due to the time of the development of small loan companies in our country is not yet mature,the relevant system is not perfect,so in the process of running highlights many problems to be solved,especially regarding to the legal system of micro-credit companies do have a lot of blank,the legal position,financial security,regulatory system and the related legal system of corporate governance is the perfect space.As a result,this article through to the concepts and characteristics of small loan companies,legal status and management,combined with the reality of our country national condition,summarizes the main problems of small loan companies nowadays and traced back,by comparing the foreign mature system of microfinance,learn the successful experience,focus on perfecting the laws and regulations,to set up the small loans,small loan companies in legal status,strengthening the legal supervision,broaden the financing channels,improve the exit mechanism,etc.,In order to promote China’s small loan company’s long-term healthy development,to perfect China’s small loan company law put forward reasonable suggestions.