Research On The Current Situation,Problems And Path Of Supervision Of Quasi-Financial Institutions In Weihai

The rapid development of the social economy has led to an increase in the number and variety of social financing needs,prompting the emergence of new financial formats.Quasi-financial institutions are gradually recognized and developed rapidly in the market with their characteristics of flexibility,efficiency,convenience and innovation.As a kind of financial innovation,quasi-financial institutions have enriched the financing channels and better met the market financing needs,which is an important supplement to the financial system.It not only expands the social financing power,but also injects vitality and vitality into the capital market and the money market,and the development space is quite huge.However,due to the lack of supervision by relevant departments in the financial institutions,quasi-financial institutions have violated laws and regulations,and there are certain conflicts with formal financial institutions,thus constraining the development of quasi-financial institutions.From the perspective of Weihai Financial Work Management Office,the paper uses literature research method,questionnaire survey method,qualitative and quantitative analysis method to study the status quo,problems and path of Weihai quasi-financial institution supervision.Firstly,it sorts out the research status of quasi-financial institutions andtheir supervision at home and abroad,and summarizes the relevant basic theories of quasi-financial institution supervision.Then it analyzes the quasi-financial institutions of Weihai from the aspects of quasi-financial institution supervision object,supervision process and supervision system.The status quo of supervision;secondly,the design questionnaire collects and organizes the data on the regulatory legislation,supervision system and supervision technology of Weihai quasi-financial institution supervision objects,and then analyzes the supervision of Weihai quasifinancial institutions in the legal system,system and technology.The existing problems and the reasons for the analysis;finally,in the case of Weihai quasi-financial institutions,under the supervision of insufficient or even lack of supervision,there are a series of problems such as weak anti-risk ability,many violations,extensive business model,and unsound governance institutions.At the institutional and technical level,it proposes a realistic path suitable for the supervision of quasi-financial institutions in Weihai.That is,at the legislative level,it is necessary to regulate the regulatory bodies of quasi-financial institutions in Weihai,improve the legislative hierarchy of quasi-financial institutions,and expand the financing scope of quasi-financial institutions.Scale;at the institutional level,we must improve Weihai The construction of the internal control mechanism of the quasi-financial institution's supervisory body,strengthen the construction of self-discipline organizations in theindustry,and unify the standards for the entry of employees;at the technical level,it is necessary to cultivate professional and technical personnel supervised by quasi-financial institutions,establish a credit system for quasi-financial institutions in Weihai,and improve quasifinancial Regulate the business operation platform system,strengthen offsite supervision,and strictly improve the monitoring system.In order to improve the supervision system of quasi-financial institutions in Weihai City and achieve effective supervision,the sustainable development of quasi-financial institutions in Weihai City will be promoted.