Study On The Competitiveness Of Private Lending In Financial Market

In recent years, along with our country folk financial market of booming development, folk loan become the focus of public opinion topic. Folk lending first appeared in the south developed regions, now, the national many economic open city, folk lending has the "underground" go to "the earth", people also change the old understanding, folk lending for the government to solve small and medium-sized enterprise loan difficult, active the local economy, plays a more and more important role. A few days ago, the state council issued "about shall encourage and guide the healthy development of the private investment certain opinions", known as "the non-public economy new36""opinion" for private capital into the financial industry’s hall opened the door for the development of the private capital has brought new opportunity. Policy support and huge market space.Based on the connotation of folk loan definition, this paper introduces the characteristics of folk loan, advantages and forms, and then the folk lending this informal financial way and bank lending in China, such as formal financial way contrast, through the Swot analysis method combined with related cases, as well as the vigorous development of small loan companies the status quo, aims to highlight the competitiveness of folk loan. Finally, folk loan problems and cause analysis, puts forward related countermeasures.