The Research Of Development Of Private Lending Agency In Qingdao

Intermediary non-governmental lending institutions are engaged in major civil mortgage loans,private investment and financing intermediaries.Funds as a new intermediary in the development of our country very rapidly in some cities.Its business is mainly as a go-between for both lenders and borrowers,investment and financing to promote the relationship between the two sides set up a loan.This study has three objectives:First,lending to non-governmental intermediaries to define connotation and denotation;are two analysis of intermediary non-governmental lending institutions operating mechanism;analysis are currently three non-governmental lending intermediary lending institutions,as well as the main behavioral characteristics of the production of Characteristics of the reasons.Study on private lending is the significance of intermediaries,the current theory for non-formal financial sector of the study are from a macro analysis of our country on the concept of non-formal financial causes as well as the existence of the problem.With regard to the specific non-formal Financial organization focusing on the majority of scholars will focus on savings has yet to see non-governmental lending agency for research.In this paper,intermediary lending to non-governmental research institutions,on the one hand,in the rich intermediate-to-people lending this new non-formal financial institutions on the basis of understanding,for deepening the study of informal finance is an important theoretical significance.On the other hand,the development of private credit research agency for non-governmental lending agency's own norms and sustainable development,as well as the private lending industry,regulating and developing the intermediary and the Government of reasonable supervision has strong practical significance.At the same time,to explore appropriate forms of organization by cultivating to address the reality of the plight of small and medium-sized finance has a strong practical value.First article,as well as for non-formal financial intermediaries,intermediary institutions and financial intermediaries are reviewed.On this basis,in accordance with the logical analysis of certain historical financial intermediary form of loans at the evolution of our country.Focusing on one of folk origin of lending agency,the key forms of organization exist,as well as the future direction of development, compare the various stages of development of different organizational forms the main characteristics of non-governmental lending agency to define the connotation and extension.Secondly,this article will be from non-governmental lending agency business,collateral and three commercial banks involved in the breakdown point of view.And based on non-governmental lending agency survey data,non-governmental lending up with the operating mechanism of intermediaries.The operation of non-governmental lending agency norms.Pre-collection of information,the medium-term transaction,the principal and interest of the late follow-up and control risks,which constitute the three parts of the whole process of private lending.At the same time,also discussed the civil Qingdao intermediary lending process,as well as the development of the industry in this process the role of government.Finally, non-governmental lending intermediary Qingdao for example,loans,respectively,of non-governmental agency funding needs,the funds provider behavior.This article is based on the innovation at this stage the first non-governmental lending agency should have the basic characteristics and evolution of the financial intermediary should be the Agency's stage,its content,to make a clear extension clearly defined.Private capital because of the intermediary itself is a spontaneous evolution of the complex body is made up of different stages of evolution of the financing chain and the organizational form and its variants constitute,in practice,the name of the diversification of such institutions exist,institutions are not significant features of the situation,thus the development of the industry and government monitoring difficult.Therefore,thestudy indicated that at this stage non-governmental lending agency for the content of,civil lending intermediary service in the private sector to help their main business financing,risk control as a means of collateral,the official register at the Department for Trade and Industry to provide full intermediate corporate services.Is a good development prospects is the formal,organized to provide intermediary services completely informal financial organizations.Intermediary-based non-governmental lending and business development part of the part variations,such as related products,services,agencies and non-governmental organizations,all defined as the extension of credit intermediaries.Another innovation of this article is to grasp for non-governmental lending agency of the characteristics of this institution to private lending agency based on the connotation to the city of Qingdao in 2008 civil lending industry survey,based on an analysis of intermediary non-governmental lending funding agencies are two types of providers and demand characteristics of the main acts mainly as follows:the supply of funds to clients of the Senior high school education-oriented individual clients,age structure and stability.Limit concentration of loans of less than one year less than half a million small loans.Owners of private enterprises accounted for a higher proportion;customer demand for funds is the formal financial institutions, many of the sub-clients,the proportion of highly educated customers gradually increased,the age structure of stable customers.The amount of one million in less than one year following the small amount of money.Major capital investment and production areas;In addition,market demand and supply of capital to start the main urban areas to suburban development,the supply of funds for private borrowing customer acceptance of intermediary organizations,trust funds,as well as the supply determines the quantity of intermediary non-governmental lending institutions.