Research Of Chinese Folk Credit Legal Regulation

With the development of market economy, the proportion of private economy inthe local economy is gradually increased, and revitalize the local economy has been andwill continue to play an important role. However, the development of the privateeconomy has not ignored the problem-the role of the source of the money problem isbecoming more and more serious,commercial Banks and other countries the formalfinancial tend to meet the big enterprise, the risk of a state-owned company, the smalland medium enterprise of private economic subject micro financing channel serious notfree, therefore, folk credit at present has become China’s private enterprise mainlyfinancing channel. But for a long time, the country is in the financial security ofconsideration and to the folk credit risk concerns, and has not in a system level in therecognition and standard, folk credit has also been in the formal state financial "thesystem" operation. This long-term underground type operation, be sure to localeconomic security and financial security caused serious influence, and even causecriminal harm social stability. So, in recent years scholars of the legal regulations offolk credit to Folk credit of regulatory system of the construction of research more andmore attention, this paper is based on this kind of reason, from the law to make a systemlevel superficial studies to folk credit the structure of the regulators put forward part ofthe specific suggestions.This article is divided into four parts，The first part is mainly to the folk credit inthe general theory elaboration，through to some scholars about Folk credit the generaltheory of evaluation，summarized the basic concepts of our country folk credit; Thebasic characteristics of folk credit; The second part is mainly to our country folk creditpresent situation and the existence question expression. The third part, this paperintroduces the legal regulation in foreign folk credit like the United States, Japan andTaiwan’s concrete practice, Next to the folk credit of the legal regulations put forwardsome suggestions of constructiveness. The fourth part is the construction of folk creditregulatory regime, but also the focus of this article. In this section, on the basic idea ofconstruction of the regulatory system plays a guiding role; Establish a multi-level anddepartments to coordinate well with each other regulatory body system.