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2008年5月4日,中国银行业监督管理委员会、中国人民银行发布了《关于小额贷款公司试点的指导意见》(银监发[2008]23号)(下称《指导意见》)。至此,小额贷款公司身份正式予以合法化。由于小额贷款公司是新生事物,其发展还处于探索阶段,存在着一定的法律风险,应引起有关部门的重视。
On May 4, 2008, China Banking Regulatory Commission and the People’s Bank of China promulgated the Guiding Opinion on Piloting of Small Loan Companies (Yin Jian Fa [2008] No. 23) (Guidance Opinion). At this point, the identity of the micro-loan company was formally legalized. Because the micro-loan company is a new-born thing, its development is still in the exploratory stage, and there is a certain legal risk, which should arouse the attention of relevant departments.