CAJ | 학술논문

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。
소액대관공사시아국독특적금융창신궤구,타래원우민간금융,산생우특수배경지하,불론근거현유법율법규환시금융법이론,타도속우금융궤구。재현유제도광가하,가장기정성위개우정규금융여민간금융지간적반정규금융궤구。연이,차충반정규금융궤구흔가능지시일충과도금융형태,수착제도적변혁,소액대관공사적지위병비일성불변。이재결정소액대관공사감관제도공급시,필수정시기산생배경、법률성질이급면림풍험적특수성,병재감관목표화구체조시적설정상작출필요적회응。
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.