Study On Rural Folk Lending In Hunan

In rural areas of Hunan province, small peasant economy flourish, the private lending is produced. With the continuous development of rural economy, farmers, the demand for money is also increasing, however, this kind of demand in the formal financial institutions is difficult to get satisfaction, therefore, private enterprises as well as many farmers in rural areas, private lending can solve the problem of capital requirements. Private lending in rural areas in Hunan, however, did not put on the table, hidden trouble, in the absence of law, folk lending has fostered the illegal fund raising, usury, and so on. In this case, for the specific area of folk lending insight into the actual situation in Hunan, so as to introduce relevant policies to solve all kinds of hidden dangers, promote rural folk lending in the right direction. Therefore, this article will from five aspects discusses private lending in rural areas in Hunan.First of all, is the introduction of the article, mainly introduced the background of the development of the non-government loan, research significance, research ideas and methods, this paper come to the right now of informal lending at home and abroad were reviewed, and then sums up the research train of thought and method, in-depth analysis of this article innovation and deficiency. Secondly, the article explains the concept of the non-government loan, how to define, and its form and characteristics, at the same time, the essay discusses the theoretical basis of related to it.Third, a questionnaire investigation to borrowing way, way, interest rate and the status of the payment for the Angle of view, to analyze the status quo and characteristics of rural folk lending. Fourth, discussed the Hunan rural folk lending potential hazards and exposed problems, such as regulatory system is not perfect, credit system needs to be perfect, the lack of laws and regulations, high interest rates disrupt the financial order, etc. Fifth, this paper introduces the economic developed areas of private lending situation, such as the United States, Bangladesh, Taiwan, Wen-zhou, etc., and summarizes its successful experience, to guide the development of private lending in rural areas of Hunan. Finally, in order to promote, promote the rural areas of Hunan folk lending, sustained and healthy development of four Suggestions are given:one is the standard interest rate system, realize the marketization of interest rate; The second is to establish and perfect rural folk borrowing relevant laws and regulations; Third, we will improve the financial regulatory system, strengthen the rural folk lending supervision; Four is to build a good credit environment the non-government loan.