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小额贷款公司主要以经营小额贷款,开展小企业的发展、管理、财务、投资、经济信息、商务等咨询业务的金融服务公司。它对农村、参股上市公司及中小企业有着十分重要的作用。它填补了金融市场的空缺。因此,建立小额贷款公司完善我国金融市场,改善经济环境刻不容缓的决定。但在发展过程中,小额贷款公司也存在着这样、那样的问题。所以,更应该加强对小额贷款公司的监管。可在试点过程中我们发现我国对小额贷款公司的监管问题并不是十分注重。主要表现为:监管措施不力,监管力度不足,监管专业性不强。
Microfinance companies are mainly financial service companies that operate small loans and carry out consulting businesses such as small business development, management, finance, investment, economic information and business. It plays a very important role in rural areas, listed companies and small and medium-sized enterprises. It fills the gap in financial markets. Therefore, the establishment of microfinance companies to improve China’s financial markets, improve the economic environment without delay decision. However, in the course of development, such problems exist in micro-loan companies as well. Therefore, we should strengthen the supervision of small loan companies. In the pilot process, we found that our country’s supervision of small loan companies is not very focused. Mainly manifested as: inadequate regulatory measures, lack of supervision, regulatory expertise is not strong.