摘要
小额贷款公司作为金融创新的产物,自2008年试点以来取得诸多好评,然而小额贷款公司并没有取得合法地位,其从事贷款业务并无法律依据。2008年银监会与央行发布的《关于小额贷款公司试点的指导意见》,把小额贷款公司定性为企业法人,实质上,这是小额贷款公司以企业法人之名,行金融机构之实。法律性质的混乱导致小额贷款公司法律适用不明确,同时也给其设立、利率计算、监管等带来诸多困难。因此,有必要修改相关法律,将小额贷款公司纳入金融机构范畴。
Small loan companies,as the product of financial innovation,have been received quite a lot of good comments.However,these small loan companies,which are engaged in loan services,not authorized.The document of ＂Guidelines on experimental unit for small loan companies＂ defined small loan companies as enterprise corporation,which published by China Banking Regulatory Commission and Central Bank since 2008.In fact,the small loan companies just used the name of enterprise legal person but go in for financial services.Without doubt,the ambiguous legal nature will make it hard for their law application,the establish procedure and supervision.Therefore,it is necessary to revise the law,and classify them into financial institutions.
出处
《湖南工业大学学报（社会科学版）》
2011年第1期34-37,共4页
Journal of Hunan University of Technology(Social Science Edition)
关键词
小额贷款公司
金融机构
法律性质
合法性
small loan companies
financial institutions
legal nature
legality
