摘要
自2008年5月中国银监会与人民银行联合发布了《关于小额贷款公司试点的指导意见》以来,小额贷款公司在我国发展迅速。小额贷款公司对活跃县域及农村金融市场发挥了积极作用,有效地解决了正规金融体系难以辐射的弱势群体的资金需求问题。然而由于小额贷款公司在实际运行过程当中存在着许多法律问题,使其面临诸多风险。本文对我国小额贷款公司现今发展状况,在发展中存在的一些法律风险问题,及可能导致的后果进行研究,并结合国外成功模式,进而提出一些完善措施。
Since the 〈 guidance on experimental units of micro - credit companies 〉 was jointly issued by China Banking Regulatory Commission and People＇ s Bank of China, micro-credit companies have been developing rapidly. The micro-credit companies have played a positive pole to activation of financial markets in prefectural region and rural area and affectively solved the financial needs of disadvantaged groups where formal financial systems are difficult to reach. However, because the micro-credit companies often have a lot of legal problems during their actual opera- tion, It makes them face different risks. This paper studies the present developing situation of micro-credit companies, their exiting legal problems during development and possible consequences, and then puts forward some measures for improvement.
出处
《内蒙古师范大学学报（哲学社会科学版）》
2011年第5期141-144,共4页
Journal of Inner Mongolia Normal University：Philosophy and Social Sciences Edition
关键词
小额贷款公司
法律风险
完善
micro-credit companies
legal risk
improvement
