The Research Of Local Government Supervising Private Lending

Private lending industry history has been long term in China.At present,China's private lending market is booming.It provides the other way of financial resources,as a supplement improved the performance of lending mainstream financial institutions.It solves the problem of shortage of funds for enterprises.However,the private lending market appears "usury"," illegal fundraising" events.At the same time,it causes social problems and affects the social stability.The private lending has accelerated social cash flow,but also private lending institutions invest the funds to non-supported industry to against with national macro-control policies.At the same time,according to private lending industry "hidden" characteristics,the national government cannot carry on the supervision of private lending business,the under control private lending companies can influence national healthy development of economy and social stability.Therefore,government has to strengthen the supervision for private lending market.To sum up,the government behaviors for private lending measures through the study: the government need focus on the different forms of private lending;establishing private lending associations,adjusting market access and withdrawal system;strengthen the private lending education work;combating illegal financial activities;establishing the social credit system;cooperating the relevant departments to establish private lending filing system;establishing deposit insurance system;cooperation financial school and enterprises.