Why does Class.newInstance always throw an exception?

I want to define a custom class loader to load my own class at run-time.

However, Class.newInstance always fails even if I defined a zero-argument constructor.

The exception message is:

java.lang.IllegalAccessException: Class Hello can not access a member of class Test with modifiers "public"

Why?

import java.io.BufferedInputStream;
import java.io.ByteArrayOutputStream;
import java.io.IOException;
import java.lang.reflect.InvocationTargetException;
import java.lang.reflect.Method;
import java.util.HashMap;
import java.util.Map;

class CustomClassLoader extends ClassLoader {

    private Map<String, Class<?>> classes = new HashMap<String, Class<?>>();

    public String toString() {
        return CustomClassLoader.class.getName();
    }

    @Override
    protected Class<?> findClass(String name) throws ClassNotFoundException {

        if (classes.containsKey(name)) {
            return classes.get(name);
        }

        byte[] classData;

        try {
            classData = loadClassData(name);
        } catch (IOException e) {
            throw new ClassNotFoundException("Class [" + name
                    + "] could not be found", e);
        }

        Class<?> c = defineClass(name, classData, 0, classData.length);
        resolveClass(c);
        classes.put(name, c);

        return c;
    }

    private byte[] loadClassData(String name) throws IOException {
        BufferedInputStream in = new BufferedInputStream(
                ClassLoader.getSystemResourceAsStream(name.replace(".", "/")
                        + ".class"));
        ByteArrayOutputStream out = new ByteArrayOutputStream();
        int i;

        while ((i = in.read()) != -1) {
            out.write(i);
        }

        in.close();
        byte[] classData = out.toByteArray();
        out.close();

        return classData;
    }
}

class Test
{
    public Test()
    {}

    public void Hello()
    {}
}

public class Hello {

    public static void main(String[] args)
    {
        try {
            CustomClassLoader loader = new CustomClassLoader();
            Class<?> c = loader.findClass("Test"); // OK!
            Object o = c.newInstance(); // ALWAYS FAIL!
        }
        catch (Exception e)
        { 
            String s = e.getMessage();
            // s is "java.lang.IllegalAccessException: Class Hello can not access"
            // " a member of class Test with modifiers "public""
        }
    }
}