论文部分内容阅读
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,但同时也出现了市场定位偏差、监管不明等法律风险。本文对我国小额贷款公司现今发展状况及产生的风险进行分析,研究其在发展中存在的一些问题,系统分析其风险产生的原因及可能导致的后果,进而提出一些解决办法。
Since May 2008, China Banking Regulatory Commission and People’s Bank of China jointly issued the “Guiding Opinion on Piloting of Small Loan Companies”, the microfinance companies have been developing rapidly in our country. Microfinance companies have played a positive role in the active county and rural financial markets, but at the same time, they also have legal risks such as deviation in market positioning and unclear supervision. This article analyzes the current situation and risk of our country’s microcredit company, studies some problems existing in its development, systematically analyzes its causes of risk and possible consequences, then proposes some solutions.