On The Innovation And Perfection Of China 's Civil Financial Supervision System

Since the outbreak of the financial crisis in 2008,caused the extensive concern of the international community to the folk financial.At the end of 2011,the”run trend”,took place in Wen zhou,China,also make the folk financial supervision on the agenda of the country.Private finance in our country has a long history,and also has a complicated background of reality at the same time.Reviewing the history, we found that since the founding of new China, the folk financial also experienced such a process: ban- development- inhibition- development. Folk finance,with the continuous development of China’s social system, the improvement of the economic system and,are changing the roles, the folk finance has been in the form of different changes in the economic development of China. At present, the folk finance make a great role about great financial support and complement to China’s formal financial markets, also meets the requirements of more and more small and medium-sized enterprise financing, promote the rapid development of economy in our country. But because of the insufficient standard folk financial organization form, operation risk, legal norms is not sound, lacking of supervision system, etc., these have also led to the folk financial in the place :there is huge potential safety hazard to the financial system in our country, and it even poses a great threat to the whole economic and social operation. Therefore, the national folk financial have to cause the attention of the national folk financial supervision and the innovation and improvement of the regulation is also a great challenge.In this paper,under the background of the financial system reform, based on the successful experience of domestic and foreign folk financial supervision model, we discusses the existence of folk financial form, in order to promote the benign development of China’s private financial, for the purpose of putting forward relevant suggestions and countermeasures to our country folk financial supervision,this paper is promoting the innovation and improvement of the supervision system. This article is divided into five chapters. First of all, the first chapter discusses the selected topic significance and background,the same time,it summarized the theory researched on folk finance at home and abroad, the research object of this paper is presented. The second chapter is trying to see the existence and development of our country folk financial status, The third chapter summarized the related theories of folk financial supervision and the problems,existing in the folk financial supervision of our country, The fourth chapter, the folk financial regulation at home and abroad for reference, the successful cases, ect,it sums up the related enlightenment to our country. Presented in this paper, it integrated the content of the above chapters, chapter v gave us the rationalization suggestions of promoting the innovation folk financial regulatory system in China, hoping to contribute to the the perfection of financial system and healthy development of economy and society in China.