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一、《贷款公司管理暂行规定》的框架结构《贷款公司管理暂行规定》(以下简称《暂行规定》)共六章四十七条,该《暂行规定》就贷款公司的性质、法律地位、组织形式、股东资格、组织机构、审慎经营、审慎监管以及市场退出等分别作出了较为详细的规定。体现了“低门槛,严监管”的原则,即在注册资本、业务准入、高级管理人员任职资格、公司治理等方面进行适当调整和放宽,而在贷款公司的审慎经营(特别是资金来源和运用方面)、银行业监督管理机构对村镇银行审慎监管的要求方面作出了严格规范。
I. Framework of “Interim Provisions on the Administration of Loan Companies” The “Interim Provisions on the Administration of Loan Companies” (hereinafter referred to as the “Provisional Regulations”) consists of a total of 46 chapters and 47 articles on the nature, legal status and organization of the lending companies Forms, shareholder qualifications, organizational structure, prudent operation, prudential supervision and exit of markets, etc., respectively, made more detailed provisions. Embodies the principle of “low threshold and strict supervision”, that is, properly adjust and relax the registered capital, business access, senior management qualifications, corporate governance and other aspects, and in the loan company’s prudent management (especially funding sources and Application), the banking supervision institution has strictly regulated the requirements of prudent supervision of village banks.