Research On The Supervision Policy Of Rural Microcredit Companies

In China,since the development of microfinance companies,there have been a lot of disputes in the academia and reality for agricultural loan companies.Therefore,it is very necessary to make explicit the nature of agricultural loan companies and regulatory issues.The agricultural loan company is essentially a financial business company,and the financial nature of the agricultural loan company has been recognized.All aspects meet the requirements of financial institutions.Although the capital of microfinance companies comes from the private sector,they should belong to non-governmental financial institutions.However,financial attributes in all aspects are standard,and financial supervision is based on the system of the "Guidance Opinion." It is believed that the nature of the democratic finance of the agricultural loan companies has been changed.However,because it has not received supervision and approval from financial regulators,it is said that it is still not a part of formal finance and is a financial institution between formal finance and private finance.The background and risk characteristics of the evolution of the agricultural loan companies are not only applicable to the supervision of the current formal financial institutions,but are also regulatory systems formulated to meet the needs of financial supervision.The supervision of financial institutions helps the normal use of small loan companies,helps the development of small loan companies in China,and maintains a good economic order.Therefore,it is very necessary to solve the current regulatory issues of small loan companies..Based on this,this article starts from the perspective of supervision and analysis,based on transaction cost theory,information asymmetry theory,and credit ration theory,using the effectiveness,efficiency,fullness,fairness,responsiveness,and appropriateness of public policy assessment.Based on the various business development data of A county agricultural loan companies,the problems in the policies were put forward in terms of policy feasibility,orientation,and efficiency,and the agricultural loan companies were placed under the supervision law to find out A.The lack of supervision and control policies of county agricultural loan companies is expected to promote the development of the agricultural loan industry.On the basis of reviewing a large amount of related literature,this article first briefly summarizes the theoretical research on the microfinance model at home and abroad,and then analyzes the regulatory policies of the current rural microfinance companies.Afterwards,he visited and investigated the development of rural small loan companies in rural areas in County A County.Based on the results of the survey,he summarized the existing problems in the supervision policies of existing rural small loan companies.Finally,in response to these outstanding issues,this paper provides rationalized countermeasures and recommendations.On the one hand,regulatory policies should consider deregulating the regulation of innovative businesses.Regulatory policies should be further improved in the evaluation index system,including scientific planning of access requirements and improvement of operations.The state indicators supervise and improve the credit guarantee and credit information system.In addition,the regulatory policies should also focus on promoting the transformation and upgrading of agricultural loan companies,such as strengthening incentive regulation and clarifying the responsibilities of regulatory agencies;on the other hand,regulatory policies should promote agricultural loans.The company has developed steadily and rapidly,established a small loan company industry association,strengthened social supervision,and achieved unity with government supervision and industry self-regulation;strengthened internal risk control;and improved relevant legal systems.Strive to work together to promote the healthy and orderly operation and growth of China's rural microfinance companies,achieve their own sustainable development,and serve the principle of �three rural issues� to provide better quality financial services for the majority of rural areas in China.