小额贷款公司发展的法律障碍及克服路径

On the Legal Impediments of the Development of Small-loan Company and Possible Solutions

小额贷款公司的设立对改进和完善农村金融服务,提高农村金融市场的竞争性,缓解农户及中小企业融资困难,促进农业和农村经济发展,支持社会主义新农村建设具有积极意义。但当前小额贷款公司发展还面临立法层次低、身份定位脱离现实实践、政策优惠落实难、监管体系不健全等问题,要解决这些问题,应提高立法层级、明确身份定位、落实优惠政策、完善监管体系。

The establishment of the small - loan company produces desirable effects on the refinement of rural financial service, the enforcement of the competition of rural financial market, the relief of difficulty in the financing of rural residents and small and medium size enterprises, the enhancement of the development of agriculture and rural e-conomy and the promotion of the socialist new rural construction. However, during the development of small - loan company, some problems cannot be ignored. This paper attempts to explore the impediments and solutions during the development of small - loan company mainly from the legal perspective, the impediments being the low level of legis-lation, the disconnection between identification and practice, the difficulty in implementing the preferential policies and the defective supervision system. Possible solutions are correspondingly provided based on the above - mentioned impediments.