Analysis Of The Regulation System Of Micro-loan Company

Since1950, many countries and regions in the world in order to help thecountry out of poverty in rural areas, narrowing the gap between rich and poor,have introduced a variety of support of rural financial policy and subsidies.However, these countries and regions introduced policy, ignoring the actualsituation in our country rural, the introduction of the financial policy andsubsidies did not really play a role. After that, these countries and regionscontinue to explore suitable for their own actual situation of the regionfinancial policy and subsidies. In twentieth Century sixty to twentieth Centuryseventy years years, microfinance mode emerge as the times require in manycountries. By1990, the pattern of small loans, form change, but nature has notchanged, the purpose of development is still rural, peasant, agriculture service,narrowing the gap in regional development.In this paper, taking the supervision system of small loan companies toexplore the topic, the general theory of the petty loan company’s analysis asthe beginning of the paper. Based on the definition of small loan company asan introduction, analysis and then in the petty loan company’s property analysisand the petty loan company’s value for the transition, in-depth study ofsupervision to the importance of small loan companies.In the second part of the text, detailed and in-depth analysis of the statusquo of China’s small loan company supervision and existing problems. Theregulatory status quo of China’s small loan companies, mainly small loancompanies and commercial banks, rural credit cooperatives and regulatorymeasures are compared, in order to explain our current regulatory status of microloan companies. Then, based on comparison of regulatory measures, in-depth analysis of the small loan company has in the regulatory body, regulatorymeasures, exit mechanism problems.In the third part of the text, the petty loan company supervision practicewere introduced, the contents are: the establishment, supervision of ownershipof small loan companies, small loan company to prudential supervision ofmicrofinance non Prudential restrictions. The development of foreignmicrofinance earlier, the relevant theoretical research is quite mature andthorough, focuses on the introduction of foreign microfinance companyregulation practice, has important practical significance to perfect thesupervision system of China’s small loan companies.In the fourth part of the text, mainly discusses the problem of perfectsupervision system of China’s micro credit company. Such as the introductionof "local regulations of supervision law" and the "small loan companysupervision and management of Small Loan Companies Ordinance", establish andperfect the rating system, strengthen risk management control the petty loancompany etc..In the conclusion part, mainly summarizes some specific practices, the pettyloan company to perfect supervision system mainly include: local regulationspromulgated "supervision law" and the "small loan company supervision andmanagement of Small Loan Companies Ordinance", establish and perfect the ratingsystem, strengthen risk management control the petty loan company etc.