Development Of Small And Medium Financial Institutions Research Questions

With the development of economy, financial activities have penetrated into allfields of the national economy, a sound financial system can promote economicdevelopment. Since China’s reform and opening up the development of interest ratecontrol and making use of large financial institutions to tilt to the industrial sectorfinancial resources for economic development appeal has been with the currenteconomic transformation and upgrade of industry does not adapt, plus the legalsupervision of the defect, there are many problems led to the development of smalland medium-sized financial institutions in the process, did not play very good roleorientation as a function of large financial institutions to complement. The ThirdPlenary Session of the eighteen, financial reform has become the priority amongpriorities, and through the development of small and medium-sized financialinstitutions in the problem and the cause of the problem will help us to furtherunderstand the structural contradiction and reform direction in the presence of theChina financial system, so it can be targeted to develop relevant strategies andsuggestions.In the study of the small and medium-sized financial institutions, often only fromthe theoretical mechanism, to the small and medium-sized financial institutionsmarket risk control mechanisms and to study the total economic effect at a certainangle. The characteristic of this paper is: according to the theory of literature, law andpractice experience in relevant industry through the analysis and comparison of theimage on the problems and reasons existing at the present stage, small andmedium-sized financial institutions. But the disadvantage is that, at present, manysmall and medium-sized financial institutions engaged in illegal business has thecharacteristics of dispersed and hidden, and small and medium-sized financialinstitutions of various kinds, only from individual institutions investigation is notenough to summarize the existing problems and the situation of all medium and smallfinancial institutions, may Overgeneralization. But the sources of data in the analysis process is relatively simple, the results may have error. Research still needs to befurther expanded.This paper unifies the related literature at home and abroad on the small andmedium-sized financial institutions the concept outlined. Secondly, in recent years,small and medium-sized financial institutions development scale and businessconditions have been summarized, and through the empirical analysis of thedevelopment of small and medium-sized financial institutions in China to improve theefficiency of the financial system, improve the two dual economic structure, promoteeconomic growth mode transformation of the positive role. Then according to thetheory of literature, laws and regulations as well as in the pawn industry relevantinternship experience has carried on the analysis to the small and medium-sizedfinancial institutions accumulation problems in the development process, and pointsout that the function of financial system in China, the imbalance of structuralimbalances in the financial markets has appeared in our country interest rate system,and legal constraints to make small and medium-sized financial institutions can’teffective control of liquidity risk, coupled with local governments for their owninterests to take acquiescence, lead to small and medium-sized financial institutionsappear in China, lack of market function in participating in folk financeOn the aboveanalysis, the problems for the healthy development of small and medium-sizedfinancial institutions put forward to improve the legal system, small andmedium-sized financial institutions to establish and perfect the supervision system ofgovernment, the establishment of a deposit insurance system, speeding up the reformprocess, interest rate marketization lifted up what bank is restricted to a fewcountermeasures and suggestions.