我国小额贷款法律问题研究.pdfVIP

摘要 摘要 近年来，随着金融体制改革和深化，四大国有商业银行股份制改革力度加大， 大量的基层机构网点合并，各股份制商业银行的拓展，贷款对象逐渐集中在高品 质的客户、大型企业和项目，而对县域经济支持疲软，造成中小型企业及农民融 资难的情况。农村金融服务远远落后于经济发展，导致民间借贷异常活跃。据统 计，有1/3 的中小企业、半数以上的农户融资来自于民间借贷。由于大量的民间 借贷游离于国家宏观调控之外，所以由民营资本经营的“只贷不存”商业化小额 贷款就如火如荼的开展起来了。 笔者一直关注着小额贷款的发展问题，重心在于小额贷款的定性、风险问题 的法律控制以及监管制度。重点探究小额贷款公司风险法律控制，为推动小额贷 款公司进一步发展提供理论上的指导，具有一定的理论意义和现实意义。 本文以小额贷款存在的法律问题为研究对象，首先用尽量少的篇幅大致介绍 了小额贷款的概念和特征及其法律关系，借此使读者首先对小额贷款有个初步的 认知。紧接着，讲述了小额贷款的法律制度及存在的问题，本部分先是大致讲述 了现阶段小额贷款的相关规定的发展演变过程，然后指出小额贷款的法律制度所 存在的现实问题。文章的最后，也就是全文的重点部分，针对小额贷款所存在的 法律问题提出了可行性的建议和对策，先是确立了小额贷款的法律地位，然后提 出对小额贷款进行法律监管，最后表明观点，如何对小额贷款可能面临的风险进 行防范。本文阐述了额贷款可能存在的法律问题和所面临的风险以及应对措施， 旨在为进一步提高和改进小额信贷的操作和完善农村小额信贷机构的规范和健 康发展提供理论和实践依据。 关键字：小额贷款 法律地位 法律监管 风险防范 I Abstract Abstract In recent years, with the reform of the financial system and the joint-stock of the four state-owned commercial banks, a lot of branches of grass-roots institutions mergers, the expansion of joint-stock commercial banks, the object of loans gradually concentrated in the high-quality customer, large enterprises and projects, and the support of the county economic weakens, SMEs and farmers are caused financing difficulties. Financial services in rural areas lags far behind the economic development, resulting in unusually active private lending. According to statistics, the financing of 1/3 of SMEs and more than half of the farmers comes from private lending. Due to a large number of private lending drifted away from the national macro-control, the microfinance run by private capital loans carries out in full swing up. I have been concerned about the development of small loans, the center of gravity lies in the characterization of small loans, risk of legal control and regulation system. I focus on exploring the legal control of the small loan companies’risk. It has a certain theoretical an