摘要
小额贷款公司作为一种新金融组织,担负着解决三农、小微企业融资难问题的重任或说社会责任。然而,过于注重"金融安全"的现行监管规则体系,使小贷公司自身权利义务结构存在失衡,面临着无力与民间融资抗衡,无力与农村信用合作社、农村金融合作组织及城镇中小型银行竞争,无法与大型商业银行进行合作,也难以与P2P网贷信息中介相媲美,公平、效率视域下的小贷公司自身发展面临着制度困境。文章在厘清小贷公司法律性质及功能定位基础上,剖析了小贷公司权利义务设置失衡的表现及其带来的制度成本,进而分析了小贷公司与其他金融组织的竞争、合作关系,并应共担化解三农、小微企业融资难的社会责任。
As a new financial organization, small loan companies undertake the task of solving the problems of agriculture, countryside and farmers as well as the difficulties in small and micro enterprise financing. But now from the perspective of fairness and efficiency the development of small loan companies is faced with a system dilemma because the current financial security-oriented regulation system makes small loan companies unbalanced in their structure of rights and obligations, unable to compete with folk financing, rural credit cooperatives, rural financial cooperation organizations, small and medium sized town banks or P2P net loan information intermediaries, and unable to cooperate with large commercial banks. Based on clarifying the legal nature and function orientation of small loan companies, this paper analyzes the features of small loan company imbalanced rights and obligations and their system cost, and the competition and cooperation between small loan companies and other financial organizations. The conchnsion fnzther point ont that both related parties shonld help to resolve the difficulties in financing by agriculture, countryside and farmers as well as small and micro enterprises.
出处
《山东财经大学学报》
2016年第4期112-117,共6页
Journal of Shandong University of Finance and Economics
关键词
小额贷款公司
法律性质
功能定位
有效监管
small loan company
legal nature
function orientation
effective supervision
