Study On Private Lending Social Risk Prevention And Control Mechanism In Harmonious Society Construction

As a important supplement to formal financial,the stable and healthy development of private lending solves the social financing demand to a certain extent,and alleviates some financial difficulties to small and medium-sized enterprises,also,it is available to strengthen the construction of the socialist harmonious society to our country.But recent years,private lending crisis frequently occurred,and has caused people to panic.Tt is a threat to the stability and harmony of the social,so,optimizing private lending social risk prevention and control mechanism needs to face the problem.At the present stage,the private lending social risk prevention and control mode is "state control society",this model regarded the country as the active control of the main body,the society as a passive control body.At present,most of ways is the use of national law and policy as the main basis for prevention and control private lending social risk,however,from the Angle of its theoretical and practical point of view,the prevention and control path has many advantages,but there are some limitations also.So,the private lending social risk prevention and control mechanism needs to inheret and innovate to deal with the probem.By analyzing the advantages and limitations of the law and policy in private borrowing social risk prevention and control,drawing lessons from the relationship between state and society theory of private lending risk society to seek new paths,this paper thinks the new path of private lending social risk prevention and control mechanism can be on the basis of the prevention and control tools such as perfecting the laws and policies,and using the guidance of the basic laws of the market,also thinking about village regulations and folk conventions.In addition,the mechanism has carried on the detailed discussion analysis,mainly refersto the specific of inter-construction and fusion among three parts.Government,market and civil society forme the "trinity" of private lending social risk prevention and control mechanism,and it can make private lending risk prevention and control achieve high efficiency,promote the construction of a harmonious socialist society.