谈小额贷款公司的身份定位

On Identity and Location of the Microloan Company

小额贷款公司在全国试点以来,虽然发展比较迅猛,但面临着法律身份不明确、监管主体虚化和后续资金匮乏等困境。对于小额贷款公司的身份地位,很多专家学者提出了转制为专业贷款公司、村镇银行、民营银行和金融公司等建议,这些建议有的不符合我国实际,有的现行法律不允许。根据国家有关规定结合浙江省的实际情况,小额贷款公司应定性为"新型农村非存款类金融机构",并颁发金融许可证,这将有利于其可持续发展。

Pilot the Microloan Company in the entire country,despite the relatively rapid development,but it faces difficulties of uncertain legal status,regulatory body absence and short of the follow-up funding etc.On the Microloan Company status,many experts and scholars made valuable comments,such as restructuring the professional loan company,rural bank,private bank,financial company,etc.Some did not meet the reality of our country,and some was not allowed by the law.According to relevant state regulations and the actual situation of Zhejiang Province,the Microloan Company should be defined as ＂the new rural non-depository financial institutions＂ and issue a financial license,which would be beneficial to the sustainable development.