Research On The Supervision Of Small Loan Companies In Qinghai Province

Small loan companies are important ways for personal capital to become sunshine.Their stable development not only makes up for the shortcomings of financial institutions’ business space to a great extent,but also provides strong credit support for "agriculture,rural areas and farmers",small and micro enterprises and individual businesses.However,with the development of small loan companies,the current situation of supervision over small loan companies has not kept up with the needs of the times,and the supervision problems are increasingly prominent.The risks of small loan companies also increase.If the supervision of small loan companies cannot play an effective role,it will not be conducive to controlling financial market risks and maintaining the stability of the financial market,and even less conducive to the healthy development of small loan companies.At present,the macroeconomic downturn has brought great pressure on the development of small loan companies.The regulatory agencies should not over-regulate the small loan companies,but also guide their healthy development.So how to effectively use regulatory means to supervise the micro loan companies is a problem worth thinking about.Based on this,this paper takes the supervision of small loan companies in Qinghai Province as the research topic for in-depth research.The authors understand the current situation of development and supervision of small leased companies in Qinghai by adopting literature research,questionnaire and comparative research methods.And analyze the problems and reasons in the regulatory process.There are mainly problems in the supervision,such as unclear supervision subject,lagging legal supervision,too strict operation supervision content,difficult credit rating work,weak supervision team.The main reasons for these problems are the unclear nature of the supervised objects,the lack of perfect laws and regulations,the lack of targeted operation supervision policies,the lack of credit management system construction,and the construction and training mechanism of supervision team is not perfect.This paper draws on the advanced experience in the supervision of microfinance institutions at home and abroad,and combines the theory of public interest,the theory of financial regulatory trade-offs and the theory of information asymmetry,putting forward suggestions on the supervision of small loan companies in Qinghai Province:First,we should clarify the nature of small loan companies and the regulatory subject of small loan companies,and improve the responsibilities of the regulatory subject;Second,we should improve relevant laws and regulations,introduce the management law of Qinghai Province on small loan companies and the anti money laundering laws and regulations of Qinghai Province on small loan companies,and effectively use legal means to supervise small loan companies;Third,we should improve the operation and supervision rules of small loan companies,and strengthen the financial and tax support for small loan companies;Fourth,we should introduce credit rating measures,effectively use the platform to strengthen the information construction of the supervision of small loan companies,and promoted the construction of social credit system;The last is to improve the overall quality of the supervision team.