Research On The Informal Finance Current Situation, Problem And Strategies Of Wenzhou City In Zhejiang Province

Regarding the concept of informal finance, China domestic theory circle do not have uniform version, informal finance have many different appellations, such as informal debiting, unofficial finance, informal credit and others according to different research purpose of scholars. Informal finance is usually considered as opposed to formal finance or official finance, is a behavior that natural person who is not belong to finance organization, company and other economic entity gain the interest thougn transition of currency valuation. So far, informal finance has already become the independent second finance system except the formal finance and strengthened constantly.This thesis elects the informal finance model of Wenzhou city in Zhejiang province as example. Wenzhou economy develops very quickly and creates a region ecomonic phenomenon called" Wenzhou model" in recent30years. Informal finance become its fertile soil, rich and generous capital breeds a lot of private enterprises in its economy development, and play a more and more important role. At present, informal finance have special new times’features:how to resist the inflation effectively after the financial cresis; how to find other better investmet way under "the restrict order of real estate purchasing" The thesis tried to analysis informal finance background, modal, exist problem and futurn development theoretically with empirical evidence based on studying relevant domestic and foreign studies.Firstly, the thesis states the research background, target and method, then clear the structure of the thesis, retrospect and review reseach on the informal finance’s history, modern, domestic and foreigh status.Secondly, the thesis collects the informal finance concept from both domestic and foreign theory circle, then introduce the informal finance source of Zhejiang wenzhou capital;the reason of its existence and development, its basic actuality and also state some informal research report which is provided by wenzhou governmet.Thirdly, the thesis mainly analyse the problem in the informal finance. This problem main in the system, model and investment way.Forthly, with theoretical study and empirical evidence research motioned above, the thesis get new suggestion for the informal finance and go deeply into the reform direction of informal finance, the suggestion include: separate,regulate, protect reasonable informal finance; enhance informal finance supervise environment; advance informal finance systematism and marketization level; at the same time, the thesis make the alterative anlysis and make the new direction of the informal finance:try to estabilish half penny loan company; manage " underground private bank" standard; develop local stock market; establish regional informal finance market; organize risk investment company and etc.At last, point out the limitation of the thesis and reseach direction in futurn.