The Research Of The Small Loan Company’s Government Supervision Problem In Heze City

Since the small loan company pilot projects in Shandong Province was officially launched in September2008, according to the China Banking Regulatory Commission, People’s Bank of China jointly issued a "small loan company pilot guidance","small loan company in Shandong Province pilot Interim Measures for the supervision and management of small loan companies in Shandong Province "and" Interim Measures for the experimental work steadily. With the implementation of China’s "12th Five-Year Plan, the adjustment of industrial structure and urban and rural market economy booming, the market is more vigorous, the microfinance industry will usher in a new development opportunities to play an increasingly significant role.Government regulation of small loan companies, mainly in Heze City, small loan companies, for example research and analysis, combined with laws and regulations of China and Shandong Province microcredit company’s management, the current small loan companies, government regulation related to the theory of analysis and research, first study the theory and small loan company regulated by the Government, these basic theoretical research and literature search, mainly through books and reference materials to find the summary of relevant theory to extract suitable In this paper, the available theory. Secondly, the research status of small loan companies regulated by the Government of Heze City, the government regulatory status quo, the main regulatory policies and the legal basis for the search, Heze City, the existing government regulations, the content, the effect. Third, the problems in Heze City, small loan companies to government regulation, this part of the study, need to be fully Heze City, small loan company operating status and the government regulatory status quo based on scientific analysis and market survey data in-depth analysis of the problematic nature of refining problems, both to the problem of induction, but also to analyze the underlying causes of the problem, the use of the materialist dialectics of Marxism, a comprehensive analysis from the macro and onlookers, competent and objective point of view. Fourth, the countermeasures to strengthen government regulation of small loan companies. Development time is shorter due to small loan companies in China,to be powerful and effective to strengthen the steady, sustainable development of small loan companies in China, it is necessary to fully learn the advanced experience of foreign countries, therefore, to propose a solution, a brief, comprehensive summary of foreign typical the success of government regulation of small loan companies experience and fully integrated with the existing problems in the government regulation of small loan companies in Heze City, combined with our current small loan companies new policies, new trends, new status quo and proposed scientific, practical and response.Government regulation of small loan companies and Countermeasures of the status quo of government regulation of small loan companies in Heze City, for example, through the analysis of the status quo on Heze City, small loan companies and government regulatory status quo, summed up the current microcredit corporate government regulation, the following problems:the early warning mechanism is not perfect, the regulatory system unscientific, the legal system is imperfect, uneven quality of supervisory staff, lack of supervision of the drum to support the Reed policy; These problems are mainly caused by the following reasons:the government is bull management, small-credit confusion with the concept of financial companies, small loan companies less supervisory experience; fully learn the advanced experience of foreign countries on the basis of the status quo of the current government regulation of small loan companies in China, proposed the following measures:the establishment of risk prevention of long-term mechanism emergency response mechanism and crisis management; the scientific division of regulatory elements, and the rational use of social resources control, strengthening the exchange of experience;actively promote the legislative building; develop complex regulatory personnel in counties; actively explore new regulatory methods,intensify policy support and encouragement.