Dissertation > Excellent graduate degree dissertation topics show

Research on the Ways to Consummate the Legal System of Petty Loan Company

Author: SunZhaoSheng
Tutor: WuHong
School: East China University of Political Science
Course: Legal
Keywords: Microfinance Petty Loan Company Financial Institution Regulation Legal Protection
CLC: F832.4
Type: Master's thesis
Year: 2010
Downloads: 507
Quote: 0
Read: Download Dissertation


As a kind of new financial innovation, Petty loan company refers to the limited company or joint-stock company which is invested and set up by natural persons, enterprises as legal person and other social organizations, whose sphere of business can only be petty loan, and which is not allowed to handle savings. Its experimental work started in 2005 and the existing data shows that it has succeeded. In a manner of speaking, private capital has been keeping high enthusiasm on developing petty loan company since its experimental work. Up to now, the petty loan companies in whole country have entered a period of rapid development in terms of quantity and size. Its functions of expanding financing channels for the majority of rural areas, small and medium enterprises, and individual businesses, guiding the development of the private capital on a normative road, and solving the problem of employment of population is gradually reflected. However, petty loan company is in a stage of experiment, as a result, the normative documents, such as Pilot Guidance on Petty Loan Company and Interim Provisions of Restructuring Petty Loan Companies into Rural Banks either had no regulations or regulated in a unreasonable and framework way. Therefore, the legal system related to inadequate or lack of petty loan companies has become its development bottleneck. To construct an appropriate legal system and to promote its development in a healthy and sustainable way has become urgent. Based on the general theory of microfinance and successful models of microfinance abroad with the introduction to their legal system, policy interpretation on petty loan companies in our country, and the analysis of development of our country’s petty loan companies, the paper makes several suggestions as to construct the petty loan companies’legal system from the following aspects: the legal nature of petty loan companies, regulations and legal system of regulatory institutions, policy support and the construction of internal management, with the respect of promoting petty loan companies to develop healthily and continuously.This paper is divided into three chapters. The first chapter is an overview of petty loan companies, which is divided into three sections. Section I is a general introduction of the definition and objectives of microfinance, successful models of microfinance abroad with the introduction to the experience of their legal system, our process in the development of petty loan companies; Section II is the general elaboration of petty loan companies from its concept, legal value and characteristics; Section III is the general introduction of process of petty loan companies, which is described from two aspects, that’s to say, our country’s general policy and present development status. The second chapter is an analysis of the existing problems of petty loan companies in the legal system, which is divided into two sections. Section I is the problems arising from the petty loan companies themselves, as a result of its legal system design. In details, the problem is caused as a result of the following aspects: the sphere of pure loan and no savings, limited business scope, financing channels, single and state-related interest rates and tax policy, and many other aspects of the irrational policies, which cause its own legal system to be further promoted or regulated. Section II is the problem, of which the petty loan companies encounter in the course of the actual operations, mainly in such areas like the internal control system, regional differences, local government administrative intervention. The third chapter which can be said to be the focus of this paper, is several proposals to achieve sustainable development of petty loan companies. The proposals should be a total of three points: The first one is to create external legal environment, which is favorable to its development; The second one is to create a favorable petty loan companies’ external policy environment from the lifting of restrictions on interest rates, tax incentives, relaxation of financing and access conditions; The third one is the petty loan companies’internal management system, which should be amended from the aspects of human resources strategy and internal control system.

Related Dissertations

  1. Research on Combinatorial Regulation of Multiple Transcription Factors,Q78
  2. Study of the High Temperature Gas-Liquid Two Phase Flow Rate Proportional Conrtol Valve,V233.2
  3. Biosynthesis of Amorpha-4, 11-diene, a Precursor of the Antimalarial Agent Artemisinin, in Escherichia Coli Through Introducing MVA Pathway,TQ463
  4. The Relationships between Social Skill and Emotion Regulation in Undergradurate of Internet Game Addiction,B842.6
  5. Study on Effect of Nutritional Regulation on Pig Production Performance and Discharge of Nitrogen and Phosphorus,S828.5
  6. The Research on Regulation Reform for Chinese Administrative Monopoly,D035
  7. The Influence of Long-term Regular Exercise to the Distribution and Change Regulation on Human Skin Temperature,G804.2
  8. Cloning and Functional Analysis of Lytic Enzyme Production Related Gene Ctp in Lysobacter Enzymogenes Strain OH11,TQ925
  9. Research on the Physiology Mechanism of Grain Filling of inferior Grain during Day and Night Chemical Regulations,S511
  10. An Experiment Study About Isolation、culture of Mouse Adipose-derived Stem Cells in Vitro and Factors’ Secretion Related to the Hematopoietic Regulation of It and After It’s Induced to Osteoblasts,R329
  11. Research of Screening and Function of P53 Regulators in KZNF (AxZ Type、SABZ Type and ACxZ Type) Family,R730.2
  12. The Regulatory Roles of almR Ⅰ and almR Ⅱ in the Biosynthesis of Autolytimycin in Streptomyces Autolyticus,R915
  13. Research on the Mutation Breeding of Flavomycin and Regulation of Fermentation Techniques,TQ920.6
  14. The Effects of Abacus-based Mental Calculation Training on Child Intelligence and Other Traits,B842.3
  15. A Survey on Mathematical Self-regulated Learning Strategies of Students in Grade Three,G633.6
  16. Robust Tracking Control for Nonlinear Systems,O231
  17. Effects of N、P、K Nutrient on Growth and Development of Helianthus Annuus and Flowering Regulation of Basical Research,S681.9
  18. Legal Protection of Coastal Forest System in Shangdong Province,D922.63
  19. Effect of Different Emotion Regulation Modes on Activities of Autonomic Nervous System of Essential Hypertensive Patients with Type A Personality under Emotion Stimulis,R544.1
  20. Environmental regulations of vehicle exhaust pollution System Research,X734.2
  21. Online Community law and regulation of mass media,G206

CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
© 2012 www.DissertationTopic.Net  Mobile