Discussion On The Development Of Private Lending Regulations

Private lending as an ancient way of financing has a long history in China.At the present stage of China's private lending is after the reform and opening up with the development of market economy in China in the.21 century,China's private lending gradually expand the scale,increasingly far-reaching influence,in the current economic China development plays an important role.The private lending has positive effect already,also have negative effects.On the positive side which mainly reflected in the deficiency can make up for the formal finance to exist,and can become a driving factor to promote the formal financial development,but on the negative side,which shows the abnormal development in private lending,private lending market leads to abnormal development in a certain risk,and the risk of harm the same cannot be ignored.Based on this,how to promote the standardized development of private lending has become an important guarantee for the healthy development of rural finance in China.It is also an important link in the healthy development of China's financial market.In this paper,the research of government regulation,private lending company mainly in Heze folk lending company as an example to research and analysis,and combined with our country and management laws and regulations on private lending company in Shandong province and current status of private lending companies,government regulation.Heze folk lending paper divided into two modules,one is the data through informal lending company to investigate,2 it is through the form of questionnaire and actual interview investigate non-financial institutions of private lending,and gets two levels of data,from two aspects:companies and private data,search for reasons of its existence,to ensure that research data comprehensively as possible.Under the basis of this paper,layout,full text is divided into six parts:First of all,this paper expounds the background of this topic is put forward and the significance of research,issues related to areas of research status at home and abroad,is explained in this paper,using the research methods,innovations and shortcomings of the paper,and this paper is introduced the theoretical basis,from the macro level analysis of present situation and development of the our country folk lending to carry out the motivation,the existence deficiency,in order to further study and the present condition of the folk lending company government regulation,the study of these problems,through the actual survey of Heze folk lending development present situation,discovered that in the development of Hezefolk lending for Heze local small and medium-sized enterprises and farmers to provide more financing channels,but at the same time,the regulation is not scientific,the system is not sound,the problem such as high interest,default is obviously.Causes of these problems is the government long absence management or management,management system,and lack of relevant laws and regulations,etc.For this,this paper puts forward the straighten government management position,build perfect management system,strengthen the management of credit rating system,build perfect exit mechanism,strengthen risk prevention countermeasures,trying to Heze folk lending in the future to contribute the development of standardization,provide certain reference.