The Informal Financial Regulatory Model Innovation Research

Informal finance as formal financial supplement, its existence for a long time, it is undeniable that played an active role to support the rapid development of the informal economy, the formal financial system into competitive factors, but is gradually exposed as its growing size of The number of issues affecting the stable development of the economy and society.Country for the first time in2003the development of informal financial policies to support the purpose of this reform is to encourage and support the participation of informal capital in the reform of local financial institutions, means that informal finance will be gradually incorporated into the country’s formal financial system.2012new proposed comprehensive financial reform as to resolve the abnormal development of forms of usury informal financial, long-term mechanism to guide the healthy and orderly development of informal financial.This article focus on research of informal financial into control, the financial industry, authorities, local governments how to give full play to its financial regulatory role, control of good informal financial horse Mustang, give full play to its existing formal financial valid supplementary role, in order to informal financial regulatory approach to find a suitable financial characteristics. Informal finance has been in addition to the country’s financial regulatory system, so the study of civil regulation basically at the level of a sound legal system theory, the regulatory authorities in the informal financial regulatory status and the role played by the relatively scant. Informal finance into the Sun Belt, the more clearly the responsibility of the regulatory authorities, but how to grasp the intensity and scale of good supervision, both play good regulatory role to safeguard the security and stability of the financial markets, but not so suppressed informal capital into the financial market enthusiasm, play a useful complementary role of the formal financial market, should clear grasp and in-depth study.This article looks at the construction of informal financial regulatory model and regulatory system, take a comparative analysis and specification analysis, analysis of the current financial environment, informal financial status quo and characteristics, and fully affirmed the financial folk play in China’s economic and social development active role, and positive analysis of the possible negative impact of the informal financial and risk triggered. This article is elaborated from several informal financial nature of the economic and social development of a sound informal financial regulatory urgent need and necessity, and the United States, India and other countries and Taiwan, for example, these countries and regions, informal financial regulatory model analysis for reference, comparison analysis of the subject and object of the informal financial regulatory characteristics, multidimensional regulatory model based on the difference between prudent degree of differentiation, and informal financial regulatory process design useful attempt. This paper try to propose a new the informal financial regulatory mode, to promote the industry, regulatory authorities and the local government in the informal financial regulatory neither the absence nor offside, both to protect the financial markets on the basis of analysis of the informal financial regulatory status security and stability, but also to protect the enthusiasm of informal finance, and continuously push forward the reform of the financial system will also promote the smooth progress in the protection of informal financial reform pilot.