Research On Legal Protection Of Small Loan Company's Sustainable Development

Microfinance has been accepted by more and more countries as an effective means of poverty reduction and financial development.China's small loan company from 2005 to 2008 since the comprehensive promotion of local pilot,has gone through 12 years of history,as of the end of 2016,the country registered 8673 small loan companies,paid in capital of 823 billion 390 million yuan,the loan amounted to 927 billion 280 million yuan,employing 108 thousand and 900 people,the microfinance industry has begun to take shape.But the development of small loan companies expected was not fully realized,expectations and reality management contradictions,the sustainable development of small loan companies "bottleneck",expansion and transformation encountered hitherto unknown obstacles,through its implementation to support the "three rural" and support the development of small and micro intention is not fully realized.Based on this,this paper uses literature,data analysis and field research methods to make a systematic study of the legal protection of the sustainable development of small loan companies.This paper firstly expounds the background,research significance,literature review,research ideas,research methods and innovations;secondly,analyze the basic theory of the sustainable development of small loan companies,discusses the basic theories of small loan companies,small loan companies can continue to develop,and put forward the theoretical basis of sustainable development of economic law small loan company;then,starting from the national and Hubei Province,Xiaogan city and the small loan company's point of view,through data analysis,questionnaire survey and focus on the small loan industry is currently operating conditions,analyzes the existing problems;thirdly,the legal obstacles to the sustainable development of small loan companies to launch the analysis;finally,explore the legal guarantee for the sustainable development of small loan companies from the angle of law.This study shows that the legal obstacles to the sustainable development of small loan companies are mainly in five aspects,including the main identity disorder,disorder,market supervision authority financing obstacles,exit barriers and business barriers limit.The legal obstacles for the sustainable development of the constraints of the small loan companies,small loan companies need from a clear legal status,broaden the financing channels for small loan companies,perfecting legal supervision system,improve the microfinance company exit mechanism,reasonable adjustment operation restriction of legal norms in the regulation on the five level,in order to promote the sustainable development of small loan companies.