小额贷款公司的法律问题研究

发布时间：2018-07-02 11:13

本文选题：小额贷款 + 小额贷款公司　；参考：《吉林财经大学》2017年硕士论文

【摘要】：自2005年起,由中国人民银行开始倡导商业性小额贷款开始,开放了第一家小额贷款的试点,由此小额贷款公司作为一种创新的存在与形式,对金融市场的稳定健康发展起到了主导的作用。小额贷款公司的服务对象以低收入阶层为主,向低收入个人以及小微企业主为主发放金额小、期限短的小额贷款,主要用于经营与生产活动。小额贷款公司的出现,有利于规范金融市场的秩序,并对民间融资和民间资本的流通起到了引导作用。小额贷款公司与商业银行的不同之处在于,它可用自身的优点为小微企业以及城乡个人提供了方便,例如贷款额度较小、借款形式方便快捷、贷款程序较为简便等。但是,由于小额贷款公司在我国的发展尚不成熟,相关制度未健全,因此在运行的过程当中凸显出很多亟待解决的问题,尤其是有关于小额贷款公司的法律制度方面确有大量空白,在法律定位、资金保障、监管体制和公司治理等方面的相关法律制度存在较大完善空间。由此,本文将通过对小额贷款公司的特征及概念、法律现状及经营,结合我国实际国情,总结我国小额贷款公司现如今存在的主要问题并追根溯源,通过对比国外成熟的小额贷款制度,借鉴学习其成功经验,着眼于完善、建立小额贷款的法律法规、剖析小额贷款公司在法律上的地位、加强法律上的监管、拓宽融资渠道、完善其退出机制等方面,为促进我国小额贷款公司的长远健康发展,对完善我国小额贷款公司的法律规定提出合理化建议。
[Abstract]:Since 2005, when the people's Bank of China began to advocate commercial microfinance, it has opened the first pilot project of small loans. As a result, microfinance companies as an innovative existence and form. The stable and healthy development of financial markets has played a leading role. The service target of the micro-loan company is mainly the low-income class and the small amount of small loans mainly issued to the low-income individuals and the owners of small microenterprises, which are mainly used in the operation and production activities. The emergence of microfinance companies is conducive to regulating the order of the financial market and plays a leading role in private financing and the circulation of private capital. The difference between a microfinance company and a commercial bank is that it can provide convenience for small microenterprises and urban and rural individuals, such as small loan quota, convenient loan form, easy loan procedure and so on. However, as the development of microfinance companies in China is not yet mature and the relevant systems are not perfect, many problems that need to be solved are highlighted in the course of operation. In particular, there is a large number of gaps in the legal system of microfinance companies, and there is much room for improvement in the legal positioning, capital protection, regulatory system and corporate governance. Therefore, through the characteristics and concepts of microfinance companies, the current legal situation and management, combined with the actual situation in China, this paper will sum up the main problems existing in the microfinance companies of our country and trace back to the source. By comparing the mature microfinance system abroad, learning from its successful experience, focusing on perfection, establishing the laws and regulations of microfinance, analyzing the legal status of microfinance companies, strengthening the legal supervision, widening the financing channels, In order to promote the long-term and healthy development of China's microfinance companies, some reasonable suggestions are put forward to perfect the legal provisions of our country's microfinance companies.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.291.91

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