Studies On Standardization Of The Informal Finance In Rural Areas Of Shandong Province

Rural informal finance is a universal phenomenon, there is such a phenomenon around the world, because of the environment, cultural differences, each with their own characteristics. Since the beginning of reform and opening up, and zhere is a rapid development of the private economy in rural areas. On the basis of this, private finance has been a lot of development, and it has gradually becom an important part of the development of China’s financial system. Everything has two sides, private finance is no exception. On one hand, private finance make up for the lack of regular financial, solved the problem of lack of financial resources in rural areas, and promoting the rural economy, especially the development of private economy and the private small and medium enterprises, The emergence of the private financial is a good example of financial innovation, it improved capital efficiency, optimized the allocation of resources in rural areas. On the other hand, the rural nongovernmental finances may bring about many negative effects, such as high risk of default, which is not subject to financial supervision and constraint, and investment of blindness of singular higher, interest rates, thus seriously disrupting the normal financial order, and sometimes informal financial activities due to lack of access to legal recognition of there is a grey, an increase in social instability. While rural folk finance in more negative effect, but given its positive effects far outweigh the adverse effects, on economic development has great help, so in our country there is still a broad space for development. In order to enable rural nongovernmental finances to better services for the economy and national policy support is very important. Government attitudes towards rural nongovernmental finance on the improvement of the financial system and has an extremely important significance for the development of the national economy as a whole.This article summarizes the current state of development at home and abroad and private financial rural areas on the basis of historical analysis method, use the forms and case analysis, a summary of the civil society in the rural areas of the entire course of development finance, summarized laws of development of this period of history, and civil monetary developments in the summary of the analysis features of existence, and at the same time summing up our rural civil financial main forms and main features. Through the rural civil society on the financial basis of the overall general, mainly in Shandong Province, to analyze the actual situation of rural finance development, basic overview of rural civil financial analysis, positive and negative effects that strengths and weaknesses, and in response to these negative effects, explore solutions. Regarding the Shandong Province countryside folk finance not standard question, this article refers to the Shandong Province countryside folk finance standardization countermeasure suggestion which proposed with on model international other country success experience parallel connection to chancellery own situation.