The Research On Administration And Supervision Of Government For Private Lending

Borrowing as financial industry "veterans", has not officially recognized, and has been suffering from related departments’supervision inhibition. The lack of loss and the relevant government departments and legal status of the informal financial system relies on private lending regulatory functions; the private financial industry in China is at the stage of development the blind long-term. Shenmu counties including Wenzhou and Erdos credit crash, all the problems country’s private lending. To investigate its reason, ostensibly because folk capital regardless objective reality, unlimited pursuit of profits and seek a breakthrough, resulting in folk debit and credit bubble, the real economy suffered a blow. Borrowing this special economic form, as a "double-edged sword" is affecting the cultural life of the people of our national economy and society. Hand due to spontaneous and lack of external constraints, indeed because of profiteer ingand many economic crimes, such as illegal fund raising, illegal folk relending,huge financial pyramid schemes, and even some violates the criminal law and personal injury. On the other hand, is also its own unique advantage for large-scale private capital to seek a breakthrough at the same time, also made a good supplement to the formal financial institutions, private enterprises and individual industrial and commercial owner loan difficult problem to find a new way out.Obviously the government should be the first to bear the brunt the "regulation" the tough and effective administrative means, and strong laws and respect the rule of market supply and demand, processing and coordination of the "two aspects", make national economy high speed, stable, sustainable development.The basic national conditions between China, through study of the current our country private lending regulatory system and system lack, and relevant experience of the foreign developed countries and regions for reference, the author believes that:through the combination and civil education phase, borrowing idea thorough popular for the purpose of establishing the legal status, folk debit and credit in our country; through the realization of credit capital flows monitoring system and private lending regulatory staff appraisal system, further improve the existing private lending regulatory system; through the clear local administration for Industry and Commerce and the China Banking Regulatory Commission private lending regulatory functions, solve the problem of China’s government departments related functions missing; the research results at home and abroad, the relevant government departments compliance regulation and risk control with the mixed supervision, and government departments active supervision and private lending industry self-discipline combining supervision two modes.The innovation of this paper:given the use of the existing departments lack of government functions, the establishment of full-time substitute new supervision department, in the realization of China’s government functions at the same time, to some extent, solve the redundant problem set, and the regulators enforce the same regulatory functions of the clear division of labor:the local administration for Industry and Commerce on regulation, the CBRC focused on risk control; the establishment of private lending transaction management center, rich in the informal financial regulators around the folk financial services industry.The first chapter:Shenmu private credit collapse result in local financial crisis caused by the phenomenon of description and analysis; Second chapter by private lending concept, characteristics and significance and development status description, revealing private lending relationships with formal financial institutions; The third chapter as core parts show the analysis of Chinese current system of government regulatory reform and government regulation of private lending improvement provides a theoretical material. The fourth chapter is on learning developed government regulation of private lending of developed countries and regions; In chapter V of the core chapter as the articles, the author of the preceding our current government regulation of private lending problems and analysis as well as foreign of private lending.