Research, Development Of Private Lending

As an old financial way, folk debit and credit has a long history in China. Today our country's folk debit and credit develops with the developing of market economy after reform and open. In the 21st century, scale and influence enlargement make our country's folk debit and credit play a very important role in Chinese economic development. The influence of folk debit and credit is sometimes active and sometimes negative. On the one hand, folk debit and credit can make up for the lack of normal finance and promote its development. On the other hand, folk finance impairs macro-control to some extent and has big risk. Therefore, the study of folk debit and credit's location and policy implement becomes urgent.There are four parts in this thesis. First, it discusses basic theory about folk debit and credit which includes concept, main forms and history process. Second, it analyses Chinese folk finance's present situation and necessity of its existence. Third, it discusses the positive and negative influence of our folk finance. Fourth, it raises policy suggestions to regulate and develop folk debit and credit in our country.In the whole, regulate and develop folk debit and credit is the best choice because of the necessity of its existence in today's China. We should display its superiority that normal finance does not have in order to promote Chinese economic development.