The Research On The Development And Countermeasure Of The Folk Financial In China

Folk finance is to adapt to the needs of economic development,spontaneous formation and free from the state financial regulatory system,It's a kind of financial activities.it has a variety of forms Since ancient times.From political layout to the allocation of economic resources,It's always based on public ownership as the main body under our country national condition,,On the supply of funds,has also been a priority to ensure that the principles of state-owned enterprises or large corporate funding requirements,Folk financial volume is huge,but the small and medium-sized enterprises and the rural market is completely suppressed,it is difficult to get a timely and effective allocation of funds.Under the drastic changes in the market situation,in order to maintain the enterprise operation,it only can take big risks from the folk financial market to obtain funds support,Then resulting in the increasing scale of informal finance of our country.At the same time,with the development of the Folk finance market in China,Benefit from the increase of total Folk finance,Folk finance has brought plenty of vitality for the local economic development,and promote the upgrading of the industrial structure,but also to promote the overall development of urban and rural economy,and also provides plenty of power for the social employment.From this aspect,it is important to study the standard development of Folk finance in our country.In this paper,we take the folk finance as the research object,In the structure mainly from the following aspects to elaborate,First elaborated the research background,research significance and the concepts,the present research situation,from the folk finance in our country,the status and operational mechanism of starting on the limitations,and the need to urgently solve the problems,and thus leads to the concept and connotation of the folk finance and current status of domestic and international research;Secondly,according to the folk finance related theory and the process,the our country folk financial development present situation,Analyze the problems in the process of development From the system design,the law regulation execution and the riskFrom their own,And according to these problems respectively analysis the reasons,Including system design aspects of financial monopoly system restriction,property right system,financing system and the lack of credit guarantee system,and legal regulation lacks corresponding perfect law and regulation system,Finally,put forward the corresponding solution countermeasures from the above several aspects.Strive to provide a good theoretical suggestions for the development of folk finance in our country,and hope cause the folk financial in the continuous development of China's road to health,sunlight,and can with the formal financial together for China's contribution to the economic development the value of their own.