Credit Legal System Research Of The Company

Small loan company is mainly used in economically underdeveloped areas, to promote economic development and agricultural development. Perfect rural financial system, therefore, to speed up the economic development of agriculture, countryside and farmers, played a "poverty alleviation" pain at the same time, also can increase the public welfare. Meanwhile microfinance companies own small business loan business will also be able to generate profits, through the way of generating interest, further allows companies to orderly operation.With the rapid development of science and technology, in recent years to promote the further development of domestic microfinance companies. Especially in on May 25, 2011, the China banking regulatory commission for the development of commercial Banks, related notice is given, and the trend and the trend in the future for China’s small loan company has made a further in-depth study. The rapid development of small loan companies in for better use effectively and improve the aspect of the folk capital play a decisive role, it makes the folk financing is more normative, have very good effect for social stability, promote the positive development of our country’s economy. At the same time, the petty loan company is convenient, fast mode of loans, in the countryside and small and medium-sized enterprise loan project presents a better way to solve their financing problem, at the same time, the better for economic growth provides a brand new pattern. But this new try of traditional financial legal system has great influence.At present domestic still exist many problems in the operation of small loan companies, mainly for the following several aspects: one is the small loan companies in China legal system under the management of relevant laws and regulations lack; Second, small loan companies in the status and role of law there are still many problems to be solved; The third point is the supervision on the main part of unclear; Fourth is the channel of funds is relatively small, the cost is very big, the relatively heavy tax; Finally, during the running of the company, there are some aspects of the risk. Aiming at these problems, in order to better resolve, the necessary analysis of China’s national conditions, and other relevant laws and regulations of national microfinance company study is very necessary, it is worth mentioning in Bangladesh bank operation mode and management mode of the people’s bank of Indonesia, further strengthen the construction of legal system. To strengthen legislation link, need to supplement which lack of content. First, you need to formulate relevant laws to have orientation and the division of property, regulators and the system is determined. Second, the improvement of microfinance company regulation system. Third, to strengthen company run risks control, thus reducing its limitations. Finally, the professional skills of employees need to have a higher request, make the small loan companies get more standardized and scientific management. In addition, people’s trust to society as a whole remains to be strengthened, it can be for the better development of small loan companies to create a good environment.