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Research On Legal Institution Of Micro Credit Company

Posted on:2018-04-02Degree:MasterType:Thesis
Country:ChinaCandidate:F X WangFull Text:PDF
GTID:2346330515967595Subject:Economic Law
Abstract/Summary:PDF Full Text Request
Micro-credit companies are the current situation of China's support "three rural areas" and promote the rapid growth of micro-enterprises huge measures.The existing achievements show that the existence of companies not only to the private capital to create an opportunity,but also opened up a new way to reduce the risk of financial products.However,the small loan companies operating in China there have been many problems.The nature of the provisions of the company is not clear lead to instability;lack of funds led to the company operating difficulties;regulatory system is not perfect caused by the lack of security operations.These problems have brought difficulties to the practical operation of micro-credit companies.Existing legal system on the effective supply of small loan companies is its ability to achieve normal operation and healthy development of the core.However,although the number of micro-credit companies continue to increase,the growing size,but still belong to the new things,there is no complete system support.the small loan companies on very sound legal policy.On the one hand there is a lot of blind system;the other hand,policies and regulations on small loan company in too much government interference.Therefore,it is an important subject of theoretical research to build a relatively complete system of small loan companies to set up,operate and supervise the system of sustainable development.The purpose of this paper is based on a comprehensive analysis of the legal regulation of foreign countries and China's current micro-credit companies,combining with the current financial innovation environment,the sustainable development of small loan companies and put forward the theoretical exploration,in order to provide some reference for our country to perfect the legal system of small loan companies.In addition to the introduction and conclusion of this article is divided into four chapters:The first chapter describes the general theory of micro-credit companies and the development of the status quo.Through the analysis of the definition and characteristics of small loan companies,point out that the operation of monetary business,but there are obvious differences between commercial and formal financial institutions,but also different from thepolicy banks and traditional poverty alleviation organization,has its own unique features of credit.Then the author takes Shandong province 43 small loan company as an example,the three aspects of capital operation,from the loan structure,and rural credit cooperatives tax project compare certain analysis on the current status of the development of small loan companies.The second chapter discusses the main content of the legal system and the related institutional problems that hinder the development.At present,the main problems of the legal system of the micro-credit companies in our country include the lack of high-level legislation,the unclear legal nature,the restrictive law,the insufficient risk prevention.Through the analysis,the author found that the primary factor in creating these problems is due to its nature has not been determined and the establishment of the beginning of the company in all aspects of the more stringent restrictions.The third chapter is the arrangement and enlightenment of the legal system of foreign micro finance institutions.This paper deals with the more effective Grameen Bank and the people's Bank of Indonesia institutions.Each country chooses different modes of operation and rules according to its own actual situation.By summing up a series of guidelines and regulations abroad and drawing lessons from experience,It is of great significance to promote the establishment of our system.The fourth chapter is the suggestion of perfecting the system of our country.On the basis of the above part,this part puts forward that perfecting the legal system of micro-credit company in our country should take the form of special legislation of "micro-credit law",and further clarify the nature,legal position and duty of micro-credit company.Constantly improve the loan gap and innovative business content,to further expand the company to obtain funding for financing channels,The legislation of micro-credit company should follow the concept of sustainable development and the concept of non-prudential supervision.And constantly improve the micro-credit company's operating legal system,build a risk prevention system.
Keywords/Search Tags:Micro-credit company, Legal status, Financial institutions
PDF Full Text Request
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