Problems of Micro-Credit Company Supervision and Related Suggestions.doc

Problems of Micro-Credit Company Supervision and Related Suggestions 　　[a] Lecturer， Master Degree in Economics， Research direction： the world economy. Economy College， Shenyang University， China. 　　[b] Assistant， A bachelor’ Degree in English. Economy College， Shenyang University， China. 　　*Corresponding author. 　　Supported by Liaoning province social science fund plan project“Liaoning micro-credit company sustainable development and system innovation research” in 2012 （L12DJY052）. 　　Received 7 June 2013； accepted 3 August 2013. 　　Abstract 　　The micro-credit company has obtained the good economic and social effect since becoming a pilot， however， microcredit company has many problems on management ： such as the lack of regulations， identity positioning is not clear， regulation subject is vacancy， internal control mechanism is weak etc.， the existence of these problems directly affect specifications and health long-term development of micro-credit company. This paper presents that it should announce the micro-credit company related laws as soon as possible， clear the petty loan company’s non-bank financial institution attributes， gradually relax regulatory restrictions， lower the difficulties of “career change”for micro-credit companies and so on， provide a good legal environment and strong support for the long-term development of micro-credit company. 　　Key words： Micro-Credit company； Regulatory； Legislation microfinance 　　Micro-credit company is a new type financial institutions in order to solve the problem of “agriculture， countryside and farmers” and financing difficulty of small and medium-sized enterprises. Since microcredit company pilot work has been promoted in 31 provinces and regions in 2008， micro-credit companies is developing rapidly， and has achieved good social benefits and economic benefits. According to statistics released by the People’s Bank， the national total of micro-credit companies is 6080， loan balance is 592.1 billion Yuan，