小额贷款公司的特殊法律地位研究

Research on the special legal status of small loan companies

小额贷款公司是我国独特的金融创新机构,它来源于民间金融,产生于特殊背景之下,不论根据现有法律法规还是金融法理论,它都属于金融机构。在现有制度框架下,可将其定性为介于正规金融与民间金融之间的半正规金融机构。然而,此种半正规金融机构很可能只是一种过渡金融形态,随着制度的变革,小额贷款公司的地位并非一成不变。而在决定小额贷款公司监管制度供给时,必须正视其产生背景、法律性质以及面临风险的特殊性,并在监管目标和具体措施的设定上作出必要的回应。

Small loan companies,a special financial innovation in China originating from folk finance under special background,should belong to financial institutions whether based on existing laws or financial theories. In the existing institutional framework,the small loan company is a kind of semi formal financial institution between formal finance and informal finance. However,it is likely to be just a transitional finance form. With the reform of the system,the small loan company’s status will probably be changed accordingly. In determining its regulatory system supply,we must face up to their particularities in background,legal nature and risks,and make necessary response in the regulatory objectives and specific regulatory measures.