Studies On The Existing Prolblems And Countermeasures Of Private Leading In Tai'an Countryside

The long-term existence of private lending in rural financial markets,where there is a reasonable.As the name suggests,the rural private lending business has just made up the negative rural credit business advocated by the formal financial institutions.At the same time,the capacity of rural financial capital,the high market adaptability of private lending,information symmetry and other characteristics of the rural informal financial development scale is intensified.Nowadays,the emergence of private enterprises in rural private lending and the low threshold,high interest rate and other status have induced a lot of economic problems and social problems,and even caused a certain degree of criminal crime caused by private lending.The treatment of the social and economic problems of rural informal lending has a direct impact on whether the grass-roots people can participate in financing activities smoothly or meet the needs of social production.In recent years,the development scale of private lending has gradually expanded,for this reason,the party and the government are actively paying attention to the management and improvement of rural financial institutions.Since 2004,the central government has constantly innovated the development of rural financial institutions.Subsequently,in 2006,the central document on the innovation of rural financial system again emphasized the need to accelerate the innovation of rural financial system.In 2010,the central document once again called for " upgrading the level and quality of rural financial services ".However,the policies designed by the party and the central Committee to maintain the rural financial system overemphasize the mandatory supply,with a certain country preference,to a certain extent ignored the nature of the farmers' needs,and the rural financial development scale is relatively backward,resulting in the rural households' demand for financial business relatively low.This paper is divided into six chapters.The first one is the introduction,on the background,literature,investigation purpose,investigation content,investigation significance,investigation methods and so on.The second chapter is the related concepts and theoretical results of private lending;The third chapter is about the status and characteristics of rural folk lending in tai' an city;The fourth chapter analyzes the existing problems and influencing factors of rural folk lending in tai' an city;The fifth chapter is the analysis of the correct measures to solve the problem of rural folk borrowing and lending,and finally concluded that the effective reference for the financial needs of the villagers in tai' an city.Through the above research part,this topic at the end of the paper puts forward some reference solutions.According to the investigation,the common problems in the rural folk lending in tai' an city are as follows:the private lending cycle is too short,the interest rate of borrowing is overweight,the loan threshold is low,the program is irregular,the farmers' funds demand is generally dependent on the folk loan.The main causes of the above problems are:rural farmers' financial credit ability is relatively low,rural folk financial institutions financial environment is poor,the management of private lending institutions has serious problems,the prbmotion of rural formal financial institutions is weak,and so on.This paper puts forward the following aspects:first,construction of Taian city as the center divergent radiation financing system,the purpose is to play the role of the government,efforts to guide the organizational advantages of financing institutions,through fair and public credit evaluation activities,vigorously strengthen the trust of rural farmers in the organization of the organization,improve the county district of the county fund raising guarantee system.Second,strengthen the management of rural folk lending behavior,through the construction of a diversified private lending platform to effectively deal with temporary or unexpected financial events.Third,the construction of innovative civil loan coordination mechanism,establish appropriate standard mechanism of private lending,through active dispute adjustment work,establish a small amount of dispute settlement system,through the strict establishment of the threshold of private lending to minimize the frequency of disputes arising from private lending.Fourth,through the continuous development of rural farmers'knowledge of financial knowledge,to try to tap the needs of borrowers,and pay attention to the financial business,financial knowledge of the farmers' education and training.Through the publicity and promotion of the construction of the national financial education,local conditions to set up the corresponding financial knowledge assessment mechanism,all through the assessment of farmers with financial business certification qualifications.Fifth,the key to upgrade the financial quality of farmers,in the school to the farmers' financial knowledge of the children,can further upgrade the rural farmers' understanding of finance in tai' an city through the way of their children,so as to improve their financial quality.