摘要
2008年5月出台的《关于小额贷款公司试点的指导意见》解决了我国小额贷款公司以往无法可依的发展问题。然而,该文件对小额贷款公司的金融服务特性不够重视,在监管上存在主体定位不准、法律依据不足和核心规则缺失三方面的缺陷。为此,我国今后立法应确定小额贷款公司的非银行金融机构属性,明确银监会的监管主体地位,以推进小额贷款公司在我国更好、更快地发展。
Guidance on pilot project of Small-loan-Company issued by CBRC on May, 2008 solves the problem of no existing laws for developing small-loan-company. But the Guidance does not pay mueh attention to the feature of financial service of small-loan-company and needs to be improved in the three aspects of inaccurate positioning of regulatory bodies, insufficient legal basis and non-existing core rule. Thus, we should legislate to recognize small-loan-company as a nonbanking financial institution, clarify the CBRC as the regulatory body so as to develop small-loan-company better and faster.
出处
《南方金融》
北大核心
2009年第12期52-54,共3页
South China Finance
关键词
小额贷款公司
银行金融机构
监管主体
Small-loan-company
Banking Institutions
Regulatory Bodies
