The Study Of The Problems Existing In The Government Supervision Of Microloan Companie

Since its initial development in 2008,the micro-finance companies have been gro wing rapidly in China.Operating in the collective collaboration with banks and other institu tions,the micro-finance companies accomplish extraordinary achievements in rural finance industry.They standardize private lending,mitigate financial distress for small and medium enterprises,and contribute to the effective improvement of local micro business.With the rapid development of micro-finance companies,the sources of funds are complex and the investment is blind;business management is chaotic and business risk spreads;development prospects are worrying,the quality of personnel is uneven and other issues are prominent.The contradiction between the chaos of management and the weak supervision of the industry is becoming increasingly acute,the risk is accumulating,and the systemic risk has begun to appear.The stability of the financial order is undermined.It is imperative to strengthen the industry supervision of the microfinance companies.As a result of the large number of microfinance companies,there are still some problems,such as unclear positioning,unidentified subject of supervision,unreasonable supervision content,imperfect laws and imperfect supervision mechanism,which make the supervision of small loan companies a difficult problem.On the basis of combing and summarizing the current domestic and foreign related research results on the government supervision of microfinance companies,this paper takes the practice of government supervision of small loan companies in Suzhou as the case basis,taking the theory of market failure and the theory of service-oriented government as the basis.Based on the theory of corporate social responsibility,this paper analyzes the development,supervision and existing problems of small loan companies in S city by using the methods of literature research,interview and data analysis.Based on the advanced experiences and practices of advanced regions in China,this paper discusses the effective countermeasures to strengthen and improve the government supervision of small loan companies in S City.The study suggests that the top level should be strengthened first.To design and improve the legal system for the supervision of microfinance companies;secondly,to strengthen coordination and coordination,to establish a sound financial regulatory system;third,to strengthen the regulatory power and improve the overall level of government supervision;and to increase the disclosure of information again.Finally,we should innovate the regulatory model and explore the new model of Internet small loan supervision.