Folk Financial Health Development Research Based On The Perspective Of Dual Financial Structure

Folk finance has a long history, various forms.The increasingly active in recent years of private finance in the economic development play a lot of positive effect, at the same time, we cannot ignore in some parts the folk financial organizations appear illegal, disorderly development, taking the negative impact to the financial system and social economy.it is proved to be a subject of major government and academic circles how to guide and regulate the folk financial healthy development.Empirical analysis shows that the dual financial structure deepening is an important reason to the folk financial existence and development, its measure scale in1978from41.3billion to10trillion in2010, the folk financial organization form gradually specialized from the primary and secondary to transformation, how to promote the folk financial normalization process will set up the key to wholly the financial system. At present, the folk financial’main restraining factor are financial duality, institutional discrimination, financial repression and itself defects, legislative, regulatory system, supporting system and macro-control should be considered to promote the healthy development of the folk financial.This article is on our country folk finance related issues for carding and research, with dual financial structure as the research background, the base of folk financial development main form and operation characteristics, the integrated use of economics, finance, institutional economics, game theory and econometrics knowledge, trying to make a systematic exploration of the healthy development of the folk financial problems, through to measure the scale of informal finance, and the dual financial structure and further empirical analysis of the folk financial development, several reasons which restrict the development of the our country folk financial analysis, to put forward some countermeasures and Suggestions to promote our country folk financial standardization, organizational and institutional development.