Regulation Of Private Lending Source Of Funds And Flow

With the development of Chinese market economy, the private lending issuesincreasingly prominent, the Wenzhou crisis direct drive to regulate the pace of privatefinancial. Wenzhou is one of the most developed private lending city in Zhejiang. Thedata show that the Wenzhou SME70%of the operating funds come from privatelending, private lending has reached about110billion RMB, and the majority ofresidents and businesses are involved in private financial. But, due to the impact ofworld financial crisis, in March2011Wenzhou appear unsustainable enterprise funds,capital chain rupture, regional private lending crisis, the private lending regulationand specifications once again become a hot topic.On private lending we’ll be the first to admit that the private lending thepromoting effect on the economy, the private lending to become prosperous first classprovides money flows in our country, at the same time provides a source of funds,capital demanders active flow of funds will help the society to create more socialwealth.But there is quite a lot of problems, our country private lending in Wenzhou onlyis our country private lending crisis financial crisis of the tip of the iceberg, andshanxi shenmu county private lending and ordos private lending crash events are theconsequences of lack of regulation in the private lending.How to regulation, the private lending in this thesis, the view of monitor frommoney laid hands on it, after all, private lending in the final analysis is about theproblem of money, to establish the source of funds and flow of the regulatory system,and promote the private lending the solution of the problem. This article intend to discuss the problem how to establish the folk lendingsource of funds and flow regulation in three parts:The first chapter, the analysis of folk lending principles, combined with practicalanalysis of Wenzhou folk lending. This article argues that private lending to coverbetween individuals, between individuals and non-financial enterprises, as well asupstream and downstream relationship or a parent-subsidiary relationship between thenon-financial corporate currency or other securities lending practices. And privatelending in the new era, there have been new changes in the size of funds rapid growthand rising interest rates. Wenzhou’s private lending from the size of funds or loanform typical significance, Wenzhou private lending analysis, and came to cause thedefeat of the private lending capital. Positive and negative role of private lendingregulatory significance of private lending.The second chapter, from talking about the concept of folk lending financingsource and flow direction, then analysis the necessity of folk lending regulation, thisarticle argues that sources and flows of private lending regulation can protect thesafety of financial system in our country, to help small and medium-sized enterprisesfinancing, and can cooperate with the implementation of the national financial reform.Finally to our country folk lending financing source and the present situation of theflow are analyzed.The third chapter, through to the United States, Japan, Hong Kong and Taiwan tothe folk lending financing source and flow to the way of indirect regulation analysis,hope to be able to draw lessons from their useful experience, combined with China’snational conditions, put forward some solutions. This article argues that privatelending sources and flow regulation issued by private lending Act, the provisions inthis law, build a private lending sources and funding flow to the regulation by thecommercial law, administrative, criminal law and other laws with the legal system,administrative supervision and self-regulation to provide a legal basis.