导　　师： 袁碧华

学科专业： 030105

授予学位： 硕士

作　　者： ;

机构地区： 广东财经大学

摘　　要： 在近几年全国银根紧缩的背景下，小额贷款公司作为一种金融创新对于规范民间借贷，激发民间资本活力，弥补金融市场不足,完善金融体系,推动地方经济发展起到了积极的作用。小额贷款公司为服务“三农”、中小微型企业的融资起了重要的作用。本文以广东省为例，广东小额贷款试点的实际情况，探讨小额贷款公司的发展遇到的一系列的法律问题进行研究。 本文主要分为四个部分。第一部分是介绍了小额贷款公司在我国宏观的发展现状以及关于小额贷款公司全国性的一些法律法规，在此基础上广东省为例介绍小额贷款公司在广东的发展现状以及广东有关小额贷款公司的立法现状。 第二部分进一步以广东为例，提出目前广东小额贷款公司存在的法律地位不明确、资金短缺、信用信息不对称、监管不到位、纠纷解决困难的问题，并分析关于导致这些法律问题的原因。 第三部分论述了国内外小额信贷发展经验及启示。国内选取了浙江省与香港关于小额贷款的相关规定做比较分析，国外比较研究的国家分为发展中国家以及发达国家，发展中国家的小额信贷划分为福利主义和制度主义，发达国家以美国的非储蓄类放贷机构的法律制度为研究对象，结合广东省的实际情况从国内外的这些发展经验中获取启示。 第四部分针对上述提出的法律问题结合国内外的经验一一对应提出明确小贷公司法律地位、制定更高位阶法律、融资渠道多元化、完善经营制度、征信系统对接、建立信息共享平台、创新监管模式、完善监管内容、设置纠纷事前防范机制、设立小贷公司诉讼绿色通道的具体对策，为完善广东小额贷款公司法律制度提出建议，为广东小额贷款公司的发展构建更好的法律环境。 Chinese government has been tightening the country’s monetary in the recent years,microcredit companies have been a very positive force to promote the local economicdevelopment. Microcredit companies have been playing important roles in the financing of“three-rural” and small to medium enterprises. In this article we used Guangdong provinceas an example, focusing on the actual situation in Guangdong microfinance pilot, to studythe legal issues which have been hindering the development of microcredit companies. This article is divided into four parts. The first part introduces the overall development ofmicrocredit companies in China and the related national law and regulations. Upon thatwe further discuss the development and legislative status of microcredit companies inGuangdong. In the second part we point out a series of issues microcredit companies in Guangdonghave encountered, which includes unclear legal status, shortages of funds, asymmetry ofcredit information, poor oversight and hard to resolve dispute. We also analyze the cause ofthese legal issues. We discussed what microcredit companies in Guangdong can learn from the developmentof microcredit companies in China and around the world in the third part. We comparedZhejiang Province’s and Hong Kong’s microfinance regulations and analyzed them to findinspiration. We also studied cases from several developed and developing countries and getinspiration by combining the actual situation of Guangdong Province.In the final part of this article we focus on the legal issues mentioned throughout the article,we tried provide possible solutions to every legal issues that have hinder the advancementof microfinance in Guangdong. We hope these solutions, can help to build a better legalenvironment for the development of microfinance companies in Guangdong province.

关 键 词： 小额信贷 小额贷款公司 法律制度 监管

领　　域： [政治法律] [政治法律]