Dilemma Analysis And Countermeasure Research To Folk Financing Of Our Country

In recent years,with the economic development and the relaxation of the government's economic regulation,the private financing developed rapidly because of the broad market demand and its convenient and flexible characteristics.Private financing has become an important supplement of the formal financial market and enhanced economic vitality,promoted the development of certain industries and regions to a certain extent.However,due to the lack of laws and regulations,the imperfect social credit system,the lack of government supervision,the lack of security in financing process,the information asymmetry between investors and financier,private financing is basically in the state of spontaneous disorder.so government regulation is in need,the community should pay more attention on private financing.In this paper,we take Z city and L city,which are well-developed in private financing,as an example to analyze the finicial ecological environment and the dilemma faced by private financing development in the two cities,and then analyze the causes of dilemma,and finally come up with the countermeasures to regulate the development of private financing.This article mainly uses the literature research method and the case study method,selects the cities in which the private financing developed well as the analysis object,through the common analysis,to analyze the cause of current private financing predicament,combined with the achievements and experience of local government in resolving the private financing plight,to provide reference to regulate private financing development.The innovation of this paper is firstly to link the development of private financing in Z city and L city with its financial ecological environment,and think that the arrangement and change of regional private financial institution is endogenous,which is inevitably affected by the economic structure and development level of the region,Financial markets,policies and laws and the culture of integrity and other factors.Secondly,from the perspectives of law and regulation,government regulation,social credit system,financiers,investors and financing process,this paper analyzes the reasons of the difficulties in the development of private financing comprehensively,Which lays the foundation for the following countermeasures.The paper is divided into six parts.The first part is the introduction,mainly on the research background and significance of this article,the existing research results at home and abroad,research methods and innovation;the second part is about the theory of the private financing,mainly including the definition,the characteristics,the existence form and the meaning of private financing.The third part mainly analyzes the financial environment and the plight performance of the private financing in Z and L.This article from the economic foundation,local financial market development,policy and legal environment,credibility culture four aspects to anlyze the ecological environment of the private financing,believe that in the two cities and even the whole country,private financing development is facing the following dilemma:the overall financial market maldevelopment,risk accumulation of private financing,Embarrassing status and the inherent flaws of the private financial organizations.The fourth part analyzes the causes of the plight of China's private financing from the aspects of laws and regulations,social credit system,government regulation,financing process,financiers and investors.The paper comprehensively analyzes the difficulties and causes of the development of private financing,and the fifth part puts forward some countermeasures and suggestions,including establishing and perfecting the laws and regulations of private financing,steadily promoting the reform of private financing,perfecting the supervision system of private financing and reshaping the social credit information system;the sixth part is conclusion and prospect,Reviewing the contents of the full text,the prospects of future development of private financing.