论我国小额贷款公司的法律制度构建

发布时间：2018-05-28 14:47

本文选题：小额贷款公司 + 法律地位　；参考：《华中科技大学》2011年硕士论文

【摘要】：小额贷款公司是当前形势下我国支持“三农”和中小型企业发展的重大举措。已有的实践证明,小额贷款公司的出现为民间资本合法化创造了机会;为金融产品分散风险开拓了新渠道。然而,小额贷款公司在我国的运行也出现了很多问题。其公司监管上的缺陷决定了运行缺乏安全保障;性质上的缺陷决定公司资产无法保持稳定性;外部资源不足的缺陷导致其经营中流动性困难。现行法律制度对小额贷款公司的有效供给是其能否实现规范运行和健康发展的核心。然而,目前关于小额贷款公司的法律政策很不健全。一方面是制度盲区大量存在;另一方面是政策规定中对小额贷款公司经营干预过多。目前存在的问题主要集中在准入、运营和退出三个方面。在金融监管制度方面,目前相关法律制度在监管主体、管内容、监监管方式和监管标准等方面比较混乱。为解决上述问题,我国应当完善小额贷款公司的立法,可以考虑单独制定《小额贷款公司法》或者指定小额信贷法,将小额贷款公司作为其中一章加以规定。通过单独立法的方式对小额贷款公司的性质、法律定位和职责进一步加以明确。同时,立法应当遵循可持续发展理念以及审慎监管理念,按照立足三农、服务中小企业的宗旨,扩大小额贷款公司的融资渠道、完善贷款担保措施,减少对小额贷款公司的经营过程的不当限制。完善小额贷款公司的法人治理结构、强化小额贷款公司内外监管制度设计,为其健康持续发展提供基础。
[Abstract]:Small loan company is the important measure to support the development of " three agriculture " and small and medium enterprises under the current situation . It has been proved that the emergence of small loan company has created an opportunity for the legalization of private capital ; it has opened up a new channel for the spread risk of financial products . However , there are many problems in the operation of micro - loan company in China . However , the defects of the company ' s supervision decide that the operation is lack of safety guarantee ; the defect of nature determines that the assets of the company cannot maintain stability ; and the defect of insufficient external resources leads to the difficulty of liquidity in its operation .

The current legal system is the core of whether it can realize the regulation operation and the healthy development . However , the current legal policy on the small loan company is not perfect . On the other hand , there are many problems in the system blind area , on the other hand , it is mainly focused on the three aspects of admittance , operation and exit .

In order to solve the above - mentioned problems , our country should perfect the legislation of the small loan company . It can be considered that the small loan company should be set up separately or the small credit law is appointed . The nature , the legal position and the responsibility of the small loan company should be further clarified by the way of separate legislation . At the same time , the legislation should abide by the principle of sustainable development and prudent supervision . At the same time , the legislation should abide by the principles of sustainable development and prudent supervision . At the same time , the legislation should abide by the principles of sustainable development and prudent supervision . At the same time , the legislation should improve the corporate governance structure of the micro - loan company , strengthen the design of the internal and external supervision system of the micro - loan company , and provide the basis for its healthy and sustainable development .
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D922.291.91;D922.28;F832.4

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