小额贷款规章（Small loan regulations）.docVIP

小额贷款规章（Small loan regulations） Legal rules for the operation of small loan companies Microfinance is an effective way to solve the current financing difficulties of farmers in china. In the farmer credit market, the current micro credit companies generally face two types of risk: subjective default risk and agricultural systemic risk. Practice has proved that the Pingyao model, the subjective default risk, small loan companies will be the introduction of social capital depends on the kind of financial transactions, mortgage and save the cost function to avoid risks, specifically by standardizing the loan process, establish a strict internal control mechanism, to explore the characteristics of the loans and the implementation of membership method of control. As for the agriculture system risk, small loan companies as the best agents of the state or local financial, through financial support to achieve control of the agricultural system risk, but also according to their operation performance to obtain the corresponding compensation. I. overview of small loan companies (1) the nature of small loan companies; A small loan company is a limited liability company or Limited by Share Ltd which is established by natural persons, enterprise legal persons and other social organizations. It does not absorb public deposits and operates small loans. A small loan company is an enterprise legal person, has an independent legal person property, enjoys the property right of a legal person, and bears civil liability for all its debts with all its property. The shareholders of a small loan company shall enjoy the right to receive assets, participate in major decisions and select managers, and shall be liable to the company for the amount of the contribution they have subscribed or the shares they may subscribe for. Small loan company shall implement the financial guidelines and policies of the state, the provisions of laws and regulations within the scope of business, autonomous, self