Research On The Regulation And Countermeasures Of Community Financial Services

The 12 th Five Year Plan of the People’s Republic of China clearly puts forward "building community financial service organization system".The Third Plenary Session of the 18 th Central Committee of the People’s Republic of China raised Inclusive Finance to a national strategy.It is proposed that to vigorously develop Inclusive Finance,we must focus on the development and research of community financial services.Community finance is a typical long tail market in the financial market.The demand for financial services is fragmented,diversified and hierarchical.The development of the industry needs the guidance,restriction and supervision of public regulation.With China’s overall economic growth from high-speed growth to medium high-speed,the financial industry has also slowed down,and even negative news has emerged.How to promote the development of community finance through systematic and effective community financial service regulation has attracted great attention of the financial community and the whole society.Under the development mode of Inclusive Finance advocated by the state,the community financial service has been continuously reformed,innovated and improved.However,in the long run,there is no perfect regulatory system to make up for the shortcomings in the development of community financial service.At present,there are still three major problems: first,the mode of separate supervision is relatively blank,and there are overlapping cross supervision problems;second,residents are the main participants in community financial services,but due to the lack of risk management knowledge of residents,it is easy to produce conflicts and disputes with community financial service institutions;finally,self-discipline organizations such as financial industry associations are in the community The development of financial services has not played a very good guiding role.Based on the investigation of the actual situation of community financial services,this paper analyzes the problems and causes of community financial services regulation by using a variety of research methods.By learning the research results of experts and scholars and combining with the Enlightenment of foreign development,this paper puts forward the main countermeasures and suggestions for the future development of community financial services regulation: first,improve the legal regulation of community financial services The second is to strengthen the risk matching management of qualified investors in the community scenario,and the third is to improve the construction of self regulatory organizations in the community financial service industry.It is of great significance to thestability and development of the community financial service industry in the future through the in-depth analysis of the existing problems in the community financial service regulation and the corresponding countermeasures and suggestions.