A Research On Constructing The Folk Lending Service System After The Financial Crisis

Private lending in China has a long history of development, and constantly changes occur in its long development process. In the nearly three decades after the founding of private lending has been the development of civil society in a state of spontaneous, very limited scale. The early1980s, the deepening of reform and opening up the economy began to show an active civil society makes the momentum, while private lending is also accompanied by the gradual development. In the early1990s, private lending reached a stage of development of the peak of the mid-1990s, in China’s financial reform continues to increase, gradually improving oversight mechanisms related to the case, so that the development of private lending has been limited, variable became an underground transaction. Since the21st century, the private lending started to recover, in economically developed regions has formed a large scale and impact.The existence of two-sided nature of private lending, ie, it is not the management of the financial system, a long time, all levels of government to ignore its existence and development, this way, so that private lending management deficiencies in the regime of extremely severe, and If capital chain is damaged, it will lead to a variety of adverse consequences, serious harmonious state and society will bring risks, with potential crises; addition, the presence of private lending, to some extent, contributed to the country’s rapid economic development, especially in some private business and the successful operation of SMEs, private loans have played a role can not be ignored. So, about the level of private lending these two characteristics to conduct in-depth research and a clear awareness of its advantages and disadvantages, with the correct form of the system of laws and regulations, and to incorporate them into the financial system in the past, and given its due historical position, it promote economic development, more standardized, systematic, Yang Li went disadvantages, as China’s rapid economic growth, social stability and play an important role.The article points out that while private lending has a variety of negative factors, but taking into account various factors which a reasonable existence and development and to promote the role of non-public economy, first, to clearly recognize that private lending contributed to the financial development, in the economy, private lending should have a place; second, in the case of private lending role in promoting economic development in the full knowledge of the operation and the development of a sound management system, the development of private lending to regulate, so that it can step into the healthy and orderly development stage; third, the trend for the future development of private lending conducted extensive research and validation, using their own advantages to promote economic development in China. Overall, this paper presents the development of private lending norms of the main ideas and detailed way, making it a complete theoretical system and orderly economic services, we want our country to explore the theoretical aspects related to private lending right, can be driven.