The Research On The Government Supervision And Countermeasure Of The Intermediary Organizations Of The Private Lending In Chongqing City

With the rapid progress of economy and society, the folk lending in the development of our country is very active, but also has been criticized, is still in the vacuum of supervision, there exist great controversy. On the one hand, it is a necessary part of the financial system in our country the implementation of market-oriented reforms, to ease the financing difficulties of enterprises has also played a certain positive role, but on the other hand, the disorderly development of it has also brought many negative effects not good for society, not only directly interfere with the normal financial order, but also cause the bad influence to the social stability and people’s life. This requires our country to introduce policies and measures to regulate the private lending as soon as possible, to play its unique advantages, make contribution to the further development of economy and finance of our country. In recent years, Chongqing City, a large number of the emergence of private lending intermediaries exist in corporate form, this kind of mechanism is the main carrier of the development of private lending scale at present, the non-standard business and illegal operation has been to the local financial market disturbances, and even affect social stability, therefore, the parties to appeal to the government on the regulation mechanism of folk intermediary lending, private lending agency through the standardized operation so as to effectively play the unique financial supplement effects of folk loan. But the city of Chongqing as the western inland city, the development of the financial environment and mature coastal relatively slow pace, the policy lag, it can be said that Chongqing City Hall in private lending regulatory system is missing. Then, in-depth study of the problem of Chongqing city government regulation of private lending agency, which has practical significance for intermediary business behavior of folk lending standards in the city, at the same time, to deepen the reform of the financial system of the city, to promote financial innovation, and the maintenance of the city’s financial security and social stability is of practical value and the significance.From the three parts to form a paper, the first part, to domestic and foreign about folk lending intermediary theory are described, the connotation and extension of the folk lending intermediary were defined, the research provides a theoretical basis and reference for. The second part, in-depth analysis of the current management mode of the private lending agency of Chongqing city. Chongqing City folk lending agency is mainly refers to the investment and financing consulting companies, non-governmental lending intermediary business can be generally divided into three, is for the two sides to provide matching services, charged intermediary fees bridge type, to provide loan services entrusted loan type and provide sequestration quasi banks lending services by the lenders Commission. The company widespread business operation is not standardized, document data management loose, advertising is not standard and other issues, and implies the risk of illegal fund-raising, some intermediary companies in the interests of drivers and began full-time in the ceiling deposit and lending business, mode of operation has been completely bank. The third part, first of all, based on the above analysis were summarized generally exists in the Chongqing City folk lending agency problems, and clearly the necessity of government regulatory intervention. Secondly, there is the Chongqing city private lending agency supervision problems are analyzed. Finally, from the establishment of regulatory institutions, clear regulatory departments and is in accordance with the law in accordance with regulations regulation provide organizational guarantee; from the operation of the business operation, risk control, business promotion norms of institutional; from the implementation of private lending service agency qualification system, regularly carry out clear principles, Industry Association self-discipline aspects of Chongqing folk lending agency of government regulation put forward countermeasures and suggestions. Finally on the basis of the above points come to a conclusion, the Chongqing municipal government should hand implement functional supervision of the operation of private lending agency. On the other hand, the government approved the establishment of the third party supervision mechanism, take the information disclosure, the contract for the record, etc., instead of the government to participate in the management, the folk lending intermediary sunshine and standardized.