Research On The Standarisation For China Informal Financial Development

China’s informal finance has a long history in the country and has widely existed with various sizes and forms. Since the reform and opening up, the folk financial market is unusually active, which makes a lot of contribution to the development of social economy, especially makes up for the lack of formal financial, solves the dilemma of small and medium-sized private enterprises of the financing of our country. China’s informal finance plays an important influence in the private economy and even the entire national economy national economy development. But in recent years, with the development and expansion of the private finance, its own problems are more and more remarkable, especially in 2011, Wenzhou outbreaks folk lending crisis. Then, China’s government develops and implements many policy measures to regulate many folk of the financial market. The state council announced the establishment of financial comprehensive reform of Wenzhou area on March 28, 2012.Folk financial problems become a hot topic of discussion in the current social.In the long run, private finance is out of the supervision of state macro-control and financial control authorities. At the same time, it does not get recognition and protection of existing laws and regulations and other policies. Within its development process there are many non-standard problems and the private finance is out of the guidance and the standard of our country’s financial market, which accumulates great risk to a great extent affect the financial market’s order and social stability. For private finance, where to go and how to supervise have become the real problem to be solved.This paper starts of "research on the standardization for china civil financial development". Firstly, it expounds the situation of the development of our country folk finance. At present, our country folk finance no matter from institutions or loan amount inventory quantity has increased greatly and has taken on regional difference, diversity, capital source participation body universality, procedure is simple flexibility, high interest rates and flexibility and increasingly sunshine, and thoroughly change characteristics. In the process, our country folk finance has many non-standard problems, which has brought some negative effect to economic and social development. So, to guide and regulate the development of our country informal finance is particularly important. According to the system and economic environment at that time, our country’s supervision of financial folk markets can be divided into five stages:between 1949 and 1953 it shall be repealed, advocate and replace phase; from 1954 to 1978 it is absolutely forbidden; from 1979 to 1995 it is institutional constrainted and has little liberty; from 1995 to 2005, it has strict management and even clamp down and since 2005 it is although limited but has looseness. But at present, our country folk finance supervision has many defects, through the analysis and reference to the United States, Bangladesh and Taiwan area on the local folk of finance supervision experience and based on the our country’s economic environment and development status of private financial, this paper goes to put forward the following financial policies and suggestions:to complete the laws and regulations of private finance; to clear of private financial regulatory body; to implement different supervision; to structure the ease market access and strict market exit system; to set up folk financial risk control auxiliary mechanism, such as deposit insurance system, information collecting mechanism, early warning and risk transfer mechanism, etc.