Research On Establishing A System Of Folk Lending Registration

Current domestic legislation for the folk financing is relatively dispersed, and there is more white space, the folk financial crisis of2012caused a big impact on China’s social stability, the folk lending skills in formal financial limited supply and increasing the financing needs of the crevice between the strong survive. In wenzhou in2012founded the first private lending registration service center withdrawal in folk lending publicity system calls, so, the author came up with to establish the idea of private lending registration system, the article thus formed.The second part of this article first introduces the present situation of our country folk lending, problems and the defects of the legislation from the folk lending disorder, lack of regulatory and legal aspects such as the absence of specific set up private lending registration system is discussed, and the feasibility, necessity and urgency.The third part of this article focus on the building of private lending registration system, from the characteristics of bond registration, registration procedures, the main body of responsibility, the legal effect of registration, registration, cost system management to paper, with reference to the relevant provisions of the registration, also discusses the register creditor’s rights and the difference of the registration.In this paper, the fourth part introduced the first half of the United States and Hong Kong to the folk financial supervision law, and from the establishment of small and medium-sized enterprise credit system and appropriate relaxation of lending to the prudential regulation of gold and put forward to perfect the folk finance related laws in China to study.The fifth part of paper discusses the several problems that should be paid attention to set up system of private lending registration, start the program, such as clear the folk lending registration system completes the folk financing supervision, establish folk financing regulation mechanism, perfect the folk financial supervision system; Once again, perfect financing legislation.The last conclusion part briefly summarizes the argument of this article, put forward the points carried out private lending registration system test.