Public Service Organizations Participate In The Research Of Private Lending Supervision Mechanism

Since the reform and opening up,the reform of the economic system has been deepened,and the private economy in Wenzhou has been fully developed.As the foundation for the rapid development of private small and micro enterprise,its sources are constrained by financial repression and credit quota restrictions.Along with the downward trend of economic situation in recent years,the contraction of policy and the tightening of money make the credit situation of small and micro enterprise more and more difficult,which also contributes to the prevalence of private lending.The reason of the existence of private lending has certain rationality and inevitability.Compared with the traditional formal financing mode,the low threshold,convenience and efficiency of private lending can more flexibly meet the financing needs of small and micro enterprise lacking certain credit conditions.As a result,various intermediaries,as the carrier of private financing,have obtained sufficient market development,but it is also because of the freedom and concealment that makes the private lending without the necessary supervision,which has led to its wandering on the edge of the law.In the absence of the constraints and effective supervision of the credit system,its unordered development may jeopardize the stability of the financial system and the development of the real economy.The outbreak of the private lending crisis caused by the Wenzhou folk capital chain in 2011 shows that it is necessary to effectively supervise and guide the private lending.In view of this,Wenzhou in 2012 approved the financial comprehensive reform pilot area,the government clear comprehensive financial reform priorities,regulating the development of private financing,regulating private financing management,establishing private financing for the record management system,establishing a sound monitoring system of private financing,and on this basis,and gradually establish and perfect public private lending service organization,Wenzhou private lending registration and service center.This paper takes Wenzhou private lending registration and service center as the research object.It is divided into the following parts to explore the role and significance of Wenzhou private lending public service organization in regulating private lending behavior,establishing credit society system and improving financial market system.In the first chapter,the main content is to combine the domestic and foreign literature to make a theoretical summary,and lead to the research problems.The second chapter will trace the origin of public service institutions,including the inevitability and defects of private lending behavior,and the necessity of supervision.The third chapter will make a descriptive analysis of the operation mechanism and role of Wenzhou private lending registration service center,and reveal the new public service concept contained in it,and explore the game relationship between public organization and private lending market.The fourth chapter will use some research data to reflect the influence of institutional arrangement of private lending registration on the financing constraints of Wenzhou's small and micro private enterprises.The fifth chapter is the conclusion of the full text,summarizes the main conclusions of the article,and puts forward reflection on the basis of the conclusions.