Folk financing, refers to the lender and accept funds between people, in state laws and regulations as other than a financial institution, in order to obtain high interest and capital to use temporary payment agreed interest for the purpose, with some folk financing way to temporarily change the ownership of funds financial behavior. The current our country folk financing phenomenon in society exists generally, and in our private small and medium enterprise development has played an indelible role, and gradually become the important channel of financing of private enterprises. Since 2008 the outbreak of the global financial crisis, then that our country has issued a series of monetary contraction policy, making banks in the business and personal loan amount and the past compared with become very nervous. Private financing has become the primary means of private enterprises, and not before the loan in bank. Financing rates reached a peak, eventually enterprises because of funding chain fracture problems arising out of a variety of social problems, the bankruptcy of the enterprise, the boss is missing run away, social stability from certain destruction. Countries should be how to deal with the current problems and contradiction, must establish a complete private lending legal system and strengthen the government's supervision and control, effectively avoid the folk debit and credit problems, so as to promote the healthy development of a harmonious society the folk financing.
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