| Pawn simply put, is to the material for cash, take valuable asset to the pawnshop in exchange for funds they need. Pawn in today's society plays an important role as a pawn for SMEs is a quick financing, and for the general public, you can play the role of an emergency. With the deepening of economic reform, pawnbroking began flourishing, but pawn-related legal system is relatively slow, imperfect legal system confusing pawnbroking business situation is not conducive to the development of the pawn industry.Pawn industry in the financial sector is part of the edge of the industry, which can easily be ignored, lack of attention. Development of the pawn industry is very tortuous, strength is relatively weak, resulting in a runaway phenomenon in the initial stages of development, and some high interest Lanchu illegal; in this context of development, countries should strengthen supervision of the pawn industry commitment regulatory functions. Formulation of pawn industry regulatory legal system is to regulate the behavior of the pawn industry, and guide their better development.Especially in recent years, the development of a strong pawn industry, the number of pawn shops is gradually increased, but the attendant problems are revealed. Current "pawn management approach" effectiveness level low enough to suppress the occurrence of problems; regulatory philosophy is not clear enough, wavering, there is no single regulatory thinking; "pawn management approach" on the entry and exit system is imperfect system, resulting in Security pawn industry and business activities can not be guaranteed; and the regulatory role of industry associations in pawn pawn business practice did not reflect its role, because these are the pawn industry regulation resulting from the legal system is imperfect, we must improve as quickly as possible pawn industry regulatory legal system, standardize business practices of the pawn industry.By comparing the contents of the United States, Japan, Chinese Hong Kong and Taiwan region as well as China's mainland pawn industry regulatory regime, I believe that legislative regulation of the pawn industry in these countries is very comprehensive, but also a combination of diversity and flexibility in the development of the industry above, very professionaland related improve laws and regulations. The pawn industry regulatory system in China is not comprehensive enough and three regulatory body and its owners, small-scale business pawn industry, the business model of a single, not a good service to the masses. Research Status with China pawn industry and above, I propose to improve our pawn industry regulatory legal system must be in the legislation, to improve industry access and exit system, the establishment of industry executives operability censorship; in the pawn industry associations, to highlight its role in the regulatory legal system, promote the rapid development of the pawn industry; in regulatory philosophy, to establish a scientific and rational regulatory philosophy, the implementation of regulatory moderate temper justice pawn industry, and actively guide the legal norms pawn industry operators. |
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