Research On Microfinance Loan Company Legal Regulation Of Gansu

The emergence of microfinance loan company is the profit pursuit of State-owned Banks and large enterprises,as well as the Game product of the strong demand of the rural grassroots' micro-financial services.Microfinance loan company in our country grows rapidly with its convenient, quick and flexible loan system. By the end of 2010, the whole nation has had more than 2,600 Microfinance loan companies opening, loanable fund nearly 200 billion.Meanwhile, the system of microfinance loan company in recent years has drawn wide attention among all social sectors. From the current regulations system itself, there exists legal status not clear, regulatory body not definite, business scope narrower and the prospect not feasible,etc. All these problems from several aspects restrict the sustainable and steady development of microfinance loan company. This article,from the practice of the microfinance loan companies in Gansu province, doing a study to legal regulation problems by theoretical and empirical data analysis of microfinance loan company in gansu province, and then puts forward some suggestions.This article is divided into six parts. The first part is mainly about an introduction to the research background, significance and domestic and foreign literature review; The second part discusses about the emergence, development and characteristics of the microfinance loan company,The emergence and development aspects are devided into two parts with domestic and foreign, On microfinance loan companies'characteristics, this paper discusses comparison when using the method to, respectively with the commercial Banks, rural credit cooperatives microfinance, towns Banks, rural mutual cooperatives, microfinance loan companies and financial companies of comparison,so can clearly discusses the characteristics of a microfinance loan company; The third part is mainly about the operation to the microfinance loan company in Gansu pilot area,by the empirical analysis; And guide the present problems in microfinance loan companies in Gansu province, for the next part of the system to consider loudly; The fourth part expounds legal problems existing in the development of Gansu microfinance loan company, Through the analysis of the current situation,then leading 6 pieces of legal issues, respectively with legal status, regulatory system problems, preferential tax problems, credit system problems, risk management system, prospects system problem; The fifth part is the improvement of legal issues existing in Gansu microfinance loan companiy,as well as new design and construction of the system; The sixth part is epilogue.