论小额贷款公司监管机构的合法性选择

摘要

The microcredit company is a special agency who focuses on affording microcredit.It is a kind of corporate organized by commercial models,and its aim is to get profit.However,they have not got financial license in practice,and also have not legal status given by Financial Laws.The fuzzy status makes the regulation disordered.Now,there are kinds of agencies who supervise the Microcredit Companies,and they all have not legal qualification.The Microcredit Companies deal with credit and loan,so they should be supervised by the CBRC.%小额贷款公司是一专注于提供小额借贷的特殊机构,是按商业模式组建的以营利为目的的企业法人。而在实践中它却没有取得金融许可证,不具有金融法所应赋予的法律身份。法律地位的模糊导致了监管主体混乱。当前参与对小额贷款公司实施监管的机构形态各异,且均不具有法定的资格。小额贷款公司经营信贷业务,应为银监会监管之对象。