Research On Government Supervision Of Small Loan Company In Yancheng

A report by the 19 th CPC National Congress points out that need to strengthen the ability of financial services to substantial economy.Small loan companies revitalize the private capital market based on normal management,and have injected new vitality into the economic and financial market,which has covered the shortage of commercial banks and the construction of rural financial system,which has promoted the development of county economy and regulated private capital.With the rapid development of the Small loan companies,the legal status,the legal system and the regulatory framework of domestic small loan companies still have not kept pace with its development.At present,small loan companies supervision is still based on documents made ten years ago.There is no absolute guarantee for compliance management,but some regulatory loopholes in the small loan financial risk,which is possible to disrupt the normal order of the small loan company industry.Taking small loan companies supervision of Yancheng as an example,through the literature research to collect the concept,the theoretical basis and the research at home and abroad,have the review.Based on the current situation of the small loan companies,the government supervision and main problems existing in the small loan companies supervision,analysis of the seven major regulatory measures,three regulation effect and seven big problems in Yancheng small loan companies supervision through the experience summary method.On this basis,this paper draws lessons from relevant experience of small loan companies supervision interiorly.It proposes instructive and pertinence suggestions for making relevant policies on Yancheng small loan companies supervision development norms and risk regulations.In this paper,strengthen government supervision of the small loan companies,follow five aspects: optimize the supervisory functions at all levels,perform the regulatory requirements strictly,match incentive policies,broaden the business thinking,and explore new finance.