Study On Governance Countermeasures Of Rural Private Loan Disputes In Suyu District,Suqian City

With the deepening of marketization,private lending has become a financial activity and is becoming more and more active in the rural market.Although rural private lending,as a useful supplement to formal finance,has played a positive role in solving farmers’ market financing needs,promoting rural economic development and activating agricultural production factors,due to the fact that rural private lending is often separated from the national financial system,the lack of effective legal and financial supervision,and its characteristics of simple procedures,high flexibility and randomness,It not only caused a sharp increase in rural private lending disputes,but also bred a large number of bad financial crimes such as illegal fund-raising and fund-raising fraud,which constantly hurt the nerves of the public,which not only brought great pressure on the trial and execution of the court,but also seriously affected the normal order of the rural financial market and social stability.In the face of this situation,relevant departments in Suyu District of Suqian City have also actively carried out activities such as lawyer mediation,"judges into the grid" and "the establishment of non litigation village residence",so that some private lending disputes can be resolved before litigation and achieved certain results.However,many measures are only aimed at private lending in counties and districts,and have little effect on private lending disputes in villages and towns under their jurisdiction,that is,rural areas.Most of the measures take the court as the leading and main department,lack the linkage with relevant departments such as finance,public security,civil affairs and township government,and the supporting measures are not perfect,so they fail to achieve the effect of resolving rural private lending disputes and standardizing rural private lending.Aiming at the research on the Governance Countermeasures of rural private lending disputes in Suyu District,Suqian City,this paper explores the regulatory measures for rural private lending behavior in many aspects,such as dispute resolution,legal regulation and financial supervision.Through a series of policies and measures,it can effectively reduce the number of private lending disputes,better guide the correct development of private lending behavior,and make private lending truly become a driving force to promote the healthy development of rural economy.This paper mainly adopts the methods of literature research and case analysis.Based on the theory of financial repression,social exchange and collaborative governance,this paper expounds the concept,current situation and influence of rural private lending,summarizes the current situation and characteristics of rural private lending disputes in Suyu District combined with specific cases,and combs the current situation of governance of rural private lending disputes in Suyu District,Combined with the current situation of governance,this paper summarizes the difficulties existing in the current governance,analyzes the reasons behind the difficulties,and puts forward specific countermeasures from six aspects:improving the mediation mechanism of non litigation disputes,perfecting the laws and regulations of private lending,strengthening the personnel management in rural areas,deepening the construction of credit system in rural areas,strengthening the management of private financial market and strengthening the law popularization in rural areas,In order to better resolve private lending disputes,standardize the development of private lending,and provide legal guarantee for the construction of harmonious villages and the revitalization of villages under the environment of the increasingly obvious trend of diversification of China’s financial structure.