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随着我国社会经济的迅速发展,小额贷款公司的发展成效日益显著,但也存在着一些问题。小额贷款公司是作为民间金融改革下的产物,其实际运行与相应的法律制度与之密切相关。小额贷款公司有效促进了民间金融的合法化,也是促进基层经济发展的重要因素,优化小额贷款公司制度是非常有必要的。小额贷款公司法律制度的立法后评估可以检验小额贷款公司法律制度的是否合格,也能有效提高其实施效果、监管水平以及运营质量等。本文通过对小额贷款公司法律制度的立法后评估进行了探究和分析,并相应提出了一些观点和建议。
With the rapid socio-economic development of our country, the development of microfinance companies has become increasingly significant, but there are still some problems. As a product of the non-governmental financial reform, the micro-credit company is closely related to the actual legal system. Microfinance companies have effectively promoted the legalization of non-government finance and are also important factors in promoting grassroots economic development. It is very necessary to optimize the system of small loan companies. The post-legislative evaluation of the legal system of the microfinance company can test whether the microfinance company’s legal system is qualified and can effectively improve the implementation effect, regulatory level and operation quality. This article explores and analyzes the post-legislative evaluation of the legal system of the micro-loan company, and accordingly puts forward some opinions and suggestions.