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On The Regulation Of Private Lending System

Posted on:2012-11-30Degree:MasterType:Thesis
Country:ChinaCandidate:J S CengFull Text:PDF
GTID:2216330338959534Subject:Law
Abstract/Summary:PDF Full Text Request
In recent years, very active non-governmental lending, private lending financial sector and the whole issue has become a hot topic for discussion within the community. Our private lending outstanding contributions to social and economic development, greatly make up for the lack of formal finance, the promotion of private enterprises, especially private SMEs. However, a long time, China has been the lack of special laws and regulations of private lending to its supervision and guidance, private lending has created an enormous risk, largely affected the stability of financial markets. Therefore, the private financial activities have been suppressed by the government. Strict suppression of private lending to combat the situation, not only useless role of financial deepening, financial development role in promoting economic development, but also to a large extent the long-term private lending is illegal to force the edge, contains a large number of financial risks. Private lending which way to go, how to supervise them, become an urgent and realistic issue.In this paper cut into the crux of the case forms, analyzes the background and significance of the topic, and explains the research method. Borrowing from the development of civil status and the need for its regulation, combined with the reality of the current domestic private lending regulatory defects and their causes, and learn from several countries and regions, the typical private lending supervisory experience, on this basis private lending on the proposed regulatory system perfecting specific recommendations.Paper is divided into four parts.The first part is defining the concept of private lending, development and regulatory status of the need to judge. Explained by comparing the domestic authority to define the concept of private lending, summarized the current main form of private lending. From the size and development of private lending to analyze the characteristics of both the current development of private lending. Borrowing by the negative effects of China and its regulation by the positive effect of both positive and negative aspects of feasibility studies, supervision of private lending to the need for the judge.The second part is the system of private lending regulatory defects and their causes. Private lending to expose the current regulatory system of the defects, that the government had strict controls on the private lending and private lending legal system is imperfect. Trace to its source, through the regulatory system of private lending the appearance of looking for defects in the nature of mining regulatory system defects private lending causes general objectives for the government financial regulatory control of bias and the concept is relatively backward.The third part is the international private lending regulatory system comparison. Compared selected financial world, national or regional significance on behalf of the United States, Germany, Japan, China Taiwan area control system in private lending analysis, a brief summary of these countries or regions development of private lending, private lending focus on analysis of its regulatory system, China to draw some useful experience in private lending and reference monitoring.The fourth part is the focus of this paper to explain the private lending regulatory systems of ideas and specific measures. The second part of private lending with monitoring system and the reasons for the defects, clearly improve the regulatory system of the idea of private lending. First, the Government should relax regulation of financial control to the private sector lending to the financial markets are also involved in the competition among the full use of market the effectiveness of private capital. Second regulatory authorities must change the concept of private lending regulation, by the strict regulatory compliance into risk-based supervision. Then establish the regulatory body, private lending market entry and exit mechanisms and the establishment of private lending risk warning and three aspects of processing mechanism, put forward a sound regulatory system of private lending specific recommendations.
Keywords/Search Tags:Private Lending, Financial Supervision, Financial Repression, Market Access, Market Exit
PDF Full Text Request
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