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[1]夏和平,许丽.小额贷款公司风险监管之法经济学思考[J].武汉工程大学学报,2010,(08):9-13.[doi:10.3969/j.issn.16742869.2010.08.003]
　XIA Heping,XU Li.The analysis of the riskfocused supervisory regime of?microloan companies on the view of law and economics[J].Journal of Wuhan Institute of Technology,2010,(08):9-13.[doi:10.3969/j.issn.16742869.2010.08.003]
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《武汉工程大学学报》[ISSN:1674-2869/CN:42-1779/TQ]

卷:
期数:
2010年08期
页码:
9-13
栏目:
其他
出版日期:
2010-08-31

文章信息/Info

Title:
The analysis of the riskfocused supervisory regime of
?microloan companies on the view of law and economics
文章编号:
16742869(2010)08000905
作者:
夏和平; 许丽
武汉工程大学法商学院，湖北 武汉 430205
Author(s):
XIA Heping; XU Li
School of Law and Business,Wuhan Institute of Technology,Wuhan 430205,China
关键词:
小额贷款公司; 金融监管; 法经济学
Keywords:
microfinance loan companies; financial supervision; law and economics
分类号:
DF438
DOI:
10.3969/j.issn.16742869.2010.08.003
文献标志码:
A
摘要:
小额贷款公司作为我国引导民间资本合法化的金融创新机构，对于缓解我国“三农”资金匮乏、提高金融业务的覆盖率具有重要的作用；在当前世界经济危机背景下，它的设立对于加速我国尽快走出世界经济危机阴影、促进我国城乡一体化建设具有十分重要的现实意义。但是，小额贷款公司作为非银行金融机构，同样会诱发金融风险。无视小额贷款公司金融风险的不作为将会让我们为之付出高昂代价，而高估小额贷款公司金融风险而严厉管控也会得不偿失。根据成本效益原则构建适合小额贷款公司的风险监管制度是完善我国金融监管体系的必要选择。
Abstract:
Microloan companies，as financial innovation institutions which guide the private capital to be legitimizing,play an important role in easing the lack of “San Nong” funds and improving the coverage of financial services in china.In the context of the current world economic crisis,the establishment of microloan companies has great practical significance in accelerating to go out of the shadow of the global economic crisis and promoting the integration of Chinese urban and rural areas.However,the microloan companies as the quasibank financial institutions,they will also induce financial risks.The inaction that ignores the financial risks of microloan companies will make us pay a high price,instead,the action that overestimates the financial risks of microloan companies and controls stringently will also make the loss outweigh the gain.According to the principle of costeffectiveness,it’s necessary to construct the riskfocused supervisory regime which fits the microloan companies to perfect our financial regulatory system.

参考文献/References:

［1］杨秋叶.我国小额贷款公司试点情况及其前景［J］.银行家,2009(6):108109.
［2］戴鸿广,蒋琳,潘文娣.小额贷款公司面临的问题与对策建议［J］.海南人大,2009(9):4344.
［3］房东升,王建军.优势互补与有序竞争：村镇银行、农村资金互助社、小额贷款公司比较［J］.华北金融,2009(4):2728.
［4］党春芳.农村商业性小额贷款公司的风险控制［J］.商场现代化,2009(1):255256.
［5］佚名.小额贷款公司监管重重民间金融艰难前行［EB/OL］.（20090802）［20100216］.
［6］刘大洪.法经济学的历史、现状与未来［J］.中南财经政法大学研究生学报,2005（增刊）：34.
［7］潘广恩.小额贷款公司可持续发展机制的研究［J］.浙江金融,2009(4):1718.
［8］佚名.浙江省小额贷款公司试点登记管理暂行办法［EB/OL］.（20080728）［20100218］.http:∥www.chinaacc.com/new/403%2F425%2F 2008%2F7%2FKu864034492018278002234080.htm.

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备注/Memo

备注/Memo:
20100417作者简介：夏和平（1954），男，湖北咸宁人，教授。研究方向：金融法。
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