| The concept of microcredit comes from the Bengali Rural Bank,which provides small loans to poor people,and provides microfinance services for small businesses or groups with lower income.Small loans provide loans for groups that cannot be served by the loans of traditional financial institutions.In 2005,China launched a nationwide pilot program for small loan companies,and small loan companies have developed rapidly in China.Since the pilot project,the C City Small loan companies have grown rapidly,providing a steady flow of funds to the C City real economy and promoting the development of the real economy.C City Municipality has issued a series of documents to vigorously support and promote the development of small loan companies.As China's small loan companies are quite different from foreign ones,although C City Municipality has made great innovations in the regulatory policies of small loan companies,it still has a focus on regulatory bodies,personnel management,classification management,and credit access.Not enough.The research idea of this paper is a detailed analysis of C City's supervision policy for small loan companies,and from the existing policies and the development of small loan companies,analyzes the policy reasons for the problem of small loan companies in C City.Finally,combined with the successful experience of domestic and foreign companies on the regulatory policies of small loan companies and the status quo of supervision of small loan companies in C City,it is suitable for the regulatory policies for the healthy development of small loan companies.Based on the above conclusions,the policy recommendations put forward in this paper are: identify the main body of supervision,strengthen the supervision of the employees,establish the rating system and application of results,and include the micro loan business into credit policy management.It has certain reference value for optimizing government supervision of small loan companies. |
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