Study On The Government Regulation Of Microcredit Company

Since the “Guiding Opinions on Pilot Projects for Small Loan Companies” was promulgated in 2008,small loan companies have been booming in the country.The problem about how the government guides and carries on effective supervision has received widespread attention from all circles of the society.The establishment of small loan companies,to some extent,has alleviated the financing difficulties of private enterprises such as the "three rural" and the small and micro businesses,and therefore,it is of great practical significance to seek an appropriate regulatory system.For the study of government supervision,is the theoretical significance of this research topic.Based on the theory of government intervention and service-oriented government theory,through analysis and research on the government supervision practice of small loan company in MM City by using the literature research method,comparative analysis method,case study method and interview method,this article makes a proposal that the government regulation should have two core connotation such as “regulation" and"service",which is drawing on the experience of foreign microfinance company supervision.It suggests that necessary regulation can make small loan companies not deviate from the healthy development track,while appropriate service can make small loan companies to enhance the vitality of sustainable management,and only the combination of these two can finally achieve the original intention and definite goal of setting up small loan companies.The full text is divided into five chapters.The first chapter is the introduction that expounds the research background,research ideas,research methods and research framework.The second chapter is the research summary that reviews the research results involved in the supervision of small loan companies.First of all,the article makes a research on small loan companies,by consulting the literature.Secondly,the article reviews and summarizes the theories of government regulation of small loan companies,which are about the boundary of financial supervision,the supervision mode of small loan companies,the regulation problems of interest rate and the development trend of microfinance.Through the example of MM city,the fourth chapter analyzes the problems existing in government regulation of small loan companies,including the failure to form a complete monitoring system which is due to the juvenility of current pattern of supervision and the lack of regulatory power,and the problems about actual operation of the relevant regulations on admission,operation and withdrawal of smallloan companies.Finally,the fifth chapter makes a proposal on how to improve the government regulation of small loan companies,which suggests improvement of incentive policy and the government's public service measures,as well as exploration on how to innovate the supervision pattern of small loan companies.