發(fā)布時(shí)間：2018-05-28 14:47

  本文選題：小額貸款公司 + 法律地位��； 參考：《華中科技大學(xué)》2011年碩士論文

【摘要】：小額貸款公司是當(dāng)前形勢(shì)下我國支持“三農(nóng)”和中小型企業(yè)發(fā)展的重大舉措。已有的實(shí)踐證明,小額貸款公司的出現(xiàn)為民間資本合法化創(chuàng)造了機(jī)會(huì);為金融產(chǎn)品分散風(fēng)險(xiǎn)開拓了新渠道。然而,小額貸款公司在我國的運(yùn)行也出現(xiàn)了很多問題。其公司監(jiān)管上的缺陷決定了運(yùn)行缺乏安全保障;性質(zhì)上的缺陷決定公司資產(chǎn)無法保持穩(wěn)定性;外部資源不足的缺陷導(dǎo)致其經(jīng)營中流動(dòng)性困難。 現(xiàn)行法律制度對(duì)小額貸款公司的有效供給是其能否實(shí)現(xiàn)規(guī)范運(yùn)行和健康發(fā)展的核心。然而,目前關(guān)于小額貸款公司的法律政策很不健全。一方面是制度盲區(qū)大量存在;另一方面是政策規(guī)定中對(duì)小額貸款公司經(jīng)營干預(yù)過多。目前存在的問題主要集中在準(zhǔn)入、運(yùn)營和退出三個(gè)方面。在金融監(jiān)管制度方面,目前相關(guān)法律制度在監(jiān)管主體、管內(nèi)容、監(jiān)監(jiān)管方式和監(jiān)管標(biāo)準(zhǔn)等方面比較混亂。 為解決上述問題,我國應(yīng)當(dāng)完善小額貸款公司的立法,可以考慮單獨(dú)制定《小額貸款公司法》或者指定小額信貸法,將小額貸款公司作為其中一章加以規(guī)定。通過單獨(dú)立法的方式對(duì)小額貸款公司的性質(zhì)、法律定位和職責(zé)進(jìn)一步加以明確。同時(shí),立法應(yīng)當(dāng)遵循可持續(xù)發(fā)展理念以及審慎監(jiān)管理念,按照立足三農(nóng)、服務(wù)中小企業(yè)的宗旨,擴(kuò)大小額貸款公司的融資渠道、完善貸款擔(dān)保措施,減少對(duì)小額貸款公司的經(jīng)營過程的不當(dāng)限制。完善小額貸款公司的法人治理結(jié)構(gòu)、強(qiáng)化小額貸款公司內(nèi)外監(jiān)管制度設(shè)計(jì),為其健康持續(xù)發(fā)展提供基礎(chǔ)。
[Abstract]:Small loan company is the important measure to support the development of " three agriculture " and small and medium enterprises under the current situation . It has been proved that the emergence of small loan company has created an opportunity for the legalization of private capital ; it has opened up a new channel for the spread risk of financial products . However , there are many problems in the operation of micro - loan company in China . However , the defects of the company ' s supervision decide that the operation is lack of safety guarantee ; the defect of nature determines that the assets of the company cannot maintain stability ; and the defect of insufficient external resources leads to the difficulty of liquidity in its operation .

The current legal system is the core of whether it can realize the regulation operation and the healthy development . However , the current legal policy on the small loan company is not perfect . On the other hand , there are many problems in the system blind area , on the other hand , it is mainly focused on the three aspects of admittance , operation and exit .

In order to solve the above - mentioned problems , our country should perfect the legislation of the small loan company . It can be considered that the small loan company should be set up separately or the small credit law is appointed . The nature , the legal position and the responsibility of the small loan company should be further clarified by the way of separate legislation . At the same time , the legislation should abide by the principle of sustainable development and prudent supervision . At the same time , the legislation should abide by the principles of sustainable development and prudent supervision . At the same time , the legislation should abide by the principles of sustainable development and prudent supervision . At the same time , the legislation should improve the corporate governance structure of the micro - loan company , strengthen the design of the internal and external supervision system of the micro - loan company , and provide the basis for its healthy and sustainable development .
【學(xué)位授予單位】：華中科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2011
【分類號(hào)】：D922.291.91;D922.28;F832.4

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本文編號(hào)：1947126