A Study On The Problems And Countermeasures Of China's Informal Financial Supervision

With the deepening of reform and opening up,the financing needs of some economic entities can not be met,in order to solve the problem of financing difficulties,we should turn our attention to the informal finance outside the formal financial system.As the informal finance developed,it has become an integral part of China's financial system,informal has solved the major problems of financing difficulties of small and medium-sized enterprises.Therefore,the effective supervision of informal finance,and correctly guide the healthy development of informal finance has become an important part of social and economic development.Explore the regulatory approach suitable for the development of China's informal finance and effectively carry out supervision of informal finance have become a prerequisite for the sustained and healthy development of China's informal finance.Therefore,the main content of this paper is to solve the problems existing in China's civil financial supervision by drawing on the foreign informal financial supervision system,which has certain theoretical and practical significance.First of all,based on the relevant research of domestic and foreign scholars,combined with the different stages of China's informal financial supervision and development,the qualitative and quantitative methods are used to analyze the main problems of informal financial supervision.Draws the conclusion that China's informal financial supervision system and its own development degree are not coordinated,and there are four main problems in the supervision of informal financial system,such as the imperfect legal system,the high cost of financing,the chaos of the regulatory system and the poor management of the emerging network.And then through the comparative analysis of the practice of civil financial supervision of developed countries to get the idea of solving the problem.Get the right regulatory attitude,improve the regulatory system and explore the idea of innovative regulatory revelation.Finally,put forward the solution to the main problems mentioned above: strengthen the legal system construction,improve the credit management mechanism,construct the reasonable supervision system,pay attention to the network loan risk management.Through specific solutions can further improve China's informal financial supervision system to promote sustained and healthy development of informal finance.