Study On The Functions Of Government To Standardize The Development Of Private Lending

Private lending has a long history, as for the scope of our country, throughout the research results, its produce thousands of years ago in the late primitive society. After the third plenary session, our country has established the basic state policy of reform and opening up, by policy role, got rapid development of commodity economy in a few decades, private economy has been gradually began to perk up, with the development of private economy in our country private lending, gradually from small scale, less quantity, narrow scope of development to the present large-scale, quantity, wide range. But along with the private economy has grown private lending has not been officially recognised, mixed mass on the evaluation, from a global perspective it is an organic component, the whole financial system has irreplaceable function, and change a point of view, it is growing like a weed development model does bring a series of social problems, not only affect the overall layout of national macro financial, disrupting the normal order of the financial markets, even part of the ordinary people's life bring a devastating blow, affected the social stability. Therefore, and others, the private lending nicknamed the "gray financial", "grass-roots financial", reflects the risk of itself, and it also reflects the government control of its difficulty. However, in recent years, the private lending problems caused quite a stir in society not only because the bubble economy environment in interest lending and other profit-seeking behavior risk overall release, the key lies in government departments in private lending market give full play to its functions, inhibition of private lending market risk. Although the government focus on private lending levels rising, for the government in the folk society in private lending the call for active play to the functions of its is big, but the Chinese government's emphasis on private lending degree has not very high, can play to the functions of the also has been limited. Problems, our government how to exert its function, standardize the development of the private lending state, in curbing its defects and guide the private lending play to its own advantage to the economic development of our country. The author believes that the functions of the government of our country private lending is an in-depth study can not only solve the problem of the reality of our country private lending market order, to further perfect our country government function system, to promote financial reform, and in the global financial environment to maintain China's financial security and financial competitiveness, promote economic development finally take off has very realistic significance.In this paper, the research goal is to find the government department in the loss of function in the development of private lending, analysis of the government functions necessary to the development of the private lending standardization, boosting folk lending for the government to provide theory support, the standardization of the development in this paper, the research content mainly includes the following five parts:The first part, the introduction part, through the understanding of the development of China's private lending, which leads to the argument of this article, namely the government's functions of informal lending standardization development, and through to the domestic and foreign scholars point of view and the comprehensive analysis of literature, clarifying the current domestic scholars on the development of private lending standardization research situation, in order to determine the research direction in this paper.The second part, to the private lending and the functions of the government on the concept and definition, in order to further clarify the private lending in the presence of which functions and operation process of the government should play, so the government departments on the normative development of the private lending problems with minimal administrative costs play a biggest role.The third part, take wenzhou region in China as example, by analyzing the typical cases of wenzhou region, find the government functions in the process of the development of the private lending is missing, view and groping in details from the case, for further discussion after the Chinese government set the specific functions of private lending foreshadowing.The fourth part, the concrete analysis and discusses the functions of the government in the process of the development of private lending is missing, with logical analysis system from various aspects, which exist in the process of government departments in the development of the private lending the lack of work.The fifth part, based on cases and analysis of the four parts, and discussed the development of private lending standardization government function, perfect private lending for the government standardization development applicable Suggestions, including the government play the function of the government macroeconomic regulation and control, play the function of market regulation, government's social management and public service functions.The sixth part, sweeping elaborated this article research results.