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Discussion of Normative Development Issues of China’s Private Lending

Author: LiuJia
Tutor: LiuXiaoZuo
School: Central China Normal University
Course: Western Economics
Keywords: private lening economic system macro economic policy supervision infomation asymmetry game model
CLC: F832.4
Type: Master's thesis
Year: 2013
Downloads: 532
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Abstract


In recent years, private lending has been developing quickly in our country. Its has a variety of forms and its scale becomes larger and larger. At the beginning of the paper, I give the definition and analyze present situation and characteristic of private lending, on the basis of which I explain the reasons of rapid development of private lending from following aspects:system, policy and supervision. One of innovation points in the article is mathematical analysis of the financing of small and medium-sized enterprises under the condition of asymmetric information. According to above studying results, game model of private lending is built on the condition of limited rationality in order to explore the essence and variation law of private lending, finding out that financing demand and state of operation of small and medium-sized enterprises decide the development scale of private lending. Then I analyze the impact of private lending on economy, finding out that private lending is a "double-edged sword". On one side, it effectively supplements empty room left by the formal financial system, promoting the development of private economy and rural economy. On the other side, private lending has its own disadvantages. With rapidly evolving, its risk gradually exposes, disturbing normal economic order and inhibiting the development of economy. I put forward relative policy suggestions at the end of the paper on how to guide and govern private lending so that making it serving the economic development better.Research content of the thesis is divided into eight parts.Part one:introduction.(1) Research background, research meaning, research content, innovation points.(2) Research review of private lending.Part two:definition of private lending, mainly introduce the definition and different forms of private lending.(1) No organization private lending.(2) The organized private lending.Part three:the status and characteristics of private lending.(1) The status of private lending.(2) The characteristics of private lending.Part four:reasons for private lending’s rapid development.(1) Mathematical model is built under the condition of asymmetric information in order to illustrate that asymmetric information in the SMEs credit guarantee leading SMEs hard loading from formal financial institutions.(2) The primary cause of private lending’s rapid development is high cost and poor efficiency of financial system, analyzing from two aspects:incomplete financial system and interest rate system.(3) The proximate cause of private lending’s rapid development is that monetary policy is not fit to actual economic condition, explaining from the economic point of view and macro level.(4) The external cause of private lending’s rapid development is deficiency of financial regulation, analyzing from following three aspects:the lack of law and regulation, the confused supervision department and supervision responsibilities, simplified operation measures.(5) It is difficult to enter the field of monopoly profit, which results in the huge private capital excluded from the overall planning of the state.Part five:the game analysis on the behavior of private lending.Game model of private lending is built on the condition of limited rationality in order to explore the essence and variation law of private lending, finding out that financing demand and state of operation of small and medium-sized enterprises decide the development scale of private lending.Part six:the influence of private lending on economic development.According to above study, find out that private lending is a "double-edged sword". On one side, it effectively supplements empty room left by the formal financial system, promoting the development of private economy and rural economy. On the other side, private lending has its own disadvantages. With rapidly evolving, its risk gradually exposes, disturbing normal economic order and inhibiting the development of economy.Part seven:policy suggestions.Some suggestions are put forward on how to guide and govern private lending so that making it serving the economic development better.Part eight:summary.Summarize the study results and shortcomings, then looking forward to future.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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