完善小额贷款公司立法的思考

发布时间：2017-12-28 14:35

本文关键词：完善小额贷款公司立法的思考　出处：《上海大学》2013年硕士论文　论文类型：学位论文

【摘要】：2008年五月，《关于小额贷款公司试点的指导意见》出台，该意见的出台促使小额贷款公司在我国成井喷式发展。融资难的问题一直是影响我国中小企业快速、健康、持续发展的主要因素，特别是在金融危机的影响下，这一问题直接决定了很多中小微型企业的生死存亡。小额贷款公司作为民间金融的主力，在中小企业的发展过程中实现了其资金融通功能，它为中小企业和三农提供贷款的同时，也活跃了县域经济，促进了农村金融市场的改革，在我国农村金融市场的多元化发展过程中发挥了积极的作用，有效地解决了传统金融机构难以满足的农村地区的资金需求问题。然而小额贷款公司在实际运行过程当中面临着诸多法律问题，譬如法律体系不完善，，法律地位不明确等。现有的只贷不存制度造成的资金短缺难以可持续发展，缺乏明确的监管主体，缺乏有效的风险防范法律措施等等，都是小额贷款公司未来发展过程的绊脚石。本文从小额贷款公司存在的法律问题出发，借鉴孟加拉，印尼以及美国关于小额信贷的成熟的立法经验，提出了完善我国小额贷款公司立法的对策，即完善规制小额贷款公司的立法体系，在制定《小额贷款公司法》条件不够成熟的条件下制定《小额贷款公司管理条例》，立法赋予小额贷款公司民间金融机构的法律地位，拓宽小额贷款公司的融资渠道，明确小额贷款公司的监管主体等等。
[Abstract]:In May 2008, the "guidance on the pilot of small loan companies" was introduced, which led to the development of small loan companies in China. The problem of financing has always been a major factor affecting the rapid, healthy and sustainable development of Chinese SMEs. Especially under the influence of the financial crisis, this problem directly determines the survival and death of many small and medium-sized enterprises. Small loan companies as the main private finance, in the process of the development of SMEs to achieve its function of financing, it provides loans to SMEs and agriculture at the same time, also active in the county economy, promote the reform of the rural financial market, play a positive role in China's rural financial field diversified development process, effectively solve the funding needs of traditional financial institutions to meet the rural areas. However, small loan companies are faced with many legal problems in the process of actual operation, such as imperfect legal system and unclear legal status. The shortage of funds existing in the existing loan only system is hard to maintain sustainable development, lack of clear regulatory body, lack of effective risk prevention, legal measures and so on, are all the stumbling blocks for the future development of small loan companies.
【学位授予单位】：上海大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.291.91

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