What will be China s policy towards private investors in the next few years?

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China's private capital has exceeded 12 trillion yuan, and the Ministry of Finance.

The total scale of state-owned assets has just reached 11 trillion yuan. It can be seen from this that capital between the private and private sectors has become an indispensable strategic resource for China's economic growth, and after China's accession to the WTO, whether the allocation structure of these resources is rational and whether the efficiency of their use can be further improved has a bearing on the country's economic security and economic growth.

From the CCP"16th National Congress.

The report and subsequent reforms show that policymakers are gradually developing more enlightened policies and establishing a sound legal system to protect private property from abuse.

It is entirely possible to fully arouse the investment enthusiasm of the non-governmental sector, especially the 20 percent of the wealthy (a large part of whom are private entrepreneurs), under the momentum of such reform.

On the other hand, from the current macroeconomics.

From the perspective of structural adjustment, it is also very necessary to further stimulate the investment enthusiasm of private capital. Because the positive effect of the proactive fiscal policy is decreasing after many years of implementation, it is unrealistic to expect to rely on expanding public investment to drive economic growth for a long time. And if there is a fiscal deficit.

Failure to control, especially when many hidden domestic and external debts have not yet been effectively monitored, can also have negative effects that affect the sound development of the economy.

Therefore, in the long run, the active fiscal policy should gradually fade out and the economy continue to grow"Also look at the folk"。After China's accession to the WTO, it can be said that there has been a good turning point in solving the problem of narrow channels for private capital investment and financing. China**.

At the same time, we have also opened up to the outside world and gradually relaxed restrictions on private capital and private enterprises. Many private enterprises have obtained the right to import and export, and private capital is also allowed to enter the original monopoly industries such as finance, aviation, and railways (such as private capital accounts for the total share capital in Minsheng ** companies).

of 60%), the CCP"16th National Congress. "After that, private capital is expected to gain greater market access.

Reference encyclopedia.

Estimates and statistics cannot be accurately stated.

Private lending is a civil act, which is subject to the constraints and protection of civil law and contract law.

However, according to Article 211 of the Contract Law, "if the loan contract between natural persons stipulates the payment of interest, the interest rate of the loan shall not violate the relevant provisions of the state on restricting the interest rate of the loan".

At the same time, according to the relevant provisions of the Several Opinions of the Supreme People's Court on the Trial of Loan Cases by the People's Courts, "the interest rate of private loans may be appropriately higher than the interest rate of banks, but the maximum shall not exceed four times the interest rate of similar loans of banks". Therefore, the principal amount of private loans is protected, and the interest rate that does not exceed four times the interest rate of the same type of bank loan is also protected by law, while the excess part is not protected by law.

The benchmark interest rate for the same period refers to the benchmark interest rate announced by the bank, such as 1 year, the benchmark interest rate is about 5%, and 4 times is 20%, that is, more than 20% is the usury recognized by law.

Fiscal policy needs to be more active and effective, monetary policy needs to remain stable and neutral, and the deficit ratio will remain unchanged this year mainly for further tax cuts and fee reductions. It contains the following 5 main points:

1. Macro policy:

We will continue to implement a prudent monetary policy and maintain a stable and neutral monetary policy;

We will continue to implement a proactive fiscal policy, which will be more active and effective;

It will strengthen the financial leverage constraints of enterprises, especially state-owned enterprises, and reduce the leverage ratio of enterprises;

The target for creating new jobs in urban areas is expected to be more than 11 million, and the urban unemployment rate is planned to be kept under control.

2. RMB exchange rate:

**The expression of the RMB exchange rate in the Work Report has changed compared with last year, and the new expression is "adhere to the direction of market-oriented exchange rate reform and maintain the stable position of RMB in the global monetary system". In 2016, it was stated that "we will continue to improve the market-oriented formation mechanism of the RMB exchange rate and maintain the basic stability of the RMB exchange rate at a reasonable and balanced level".

3. Real Estate:

In 2017, the real estate destocking policy will be implemented according to the city. It is planned to increase land in cities with greater pressure on housing prices; It is planned to support the demand for owner-occupied housing in third- and fourth-tier cities. Previously, Fu Ying, spokesperson of the National People's Congress, said that this year's "two sessions" did not put the draft real estate tax into consideration arrangements.

Fourth, the reform of state-owned enterprises and market access

accelerate the reform of state-owned enterprises and state-owned assets, and take practical measures in the reform of mixed ownership;

In 2017, the reform of the corporate system of state-owned enterprises was basically completed;

Encourage large and medium-sized banks to set up inclusive financial departments;

All industries and fields that are open to foreign capital must be opened to private capital.

5. Local ** debt:

It is planned to issue 830 billion yuan of local ** general bonds;

The prevention and control of local debt risks will be placed in a more important position;

The research will include the debt of the financing platform company and the medium and long-term expenditure items into the system detection.

It's too messy, it's not safe. China's current financial status quo and credit system are not conducive to the development of the private financial industry.

Illegal. To engage in personal work is to borrow money.

But only a few specific groups of people can be borrowed.

The question is: what is a specific minority of people.

What is the public.

Brother, do you have standards? Do you know the standards of the courts?

Behavior that is very prone to accidents.

But if you don't make it bigger, I guess no one wants to care about you.

Private financing refers to the financial behavior between the investor and the investee, in addition to the national statutory financial institutions, for the purpose of obtaining high interest and obtaining the right to use the funds and paying the agreed interest, using private lending, private bill financing, private financing and social fund-raising to temporarily change the ownership of funds.

1. Private lending.

This is the most common form of private financing, so it is generally legal, but it is not possible to borrow money for the purpose of illegal possession and not repay or squander it, or know that you are unable to repay a large amount of money, which is a fraud. If you're going to borrow money, try to get as much security as possible. At the same time, it is not possible to illegally absorb deposits from the public.

2. Private bill financing.

This kind of financing method is mainly for private enterprises, but because it involves more professional and high risks, it needs special attention.

3. Private financing with value.

For example, certificates of deposit, bonds, etc., are mainly used by borrowers for mortgage and pledge loans, and some borrowers also charge a certain amount of interest or handling fees for the difference.

4. Social fundraising.

For example, the more common forms of bidding (the nature of which is difficult to define) and internal fundraising of enterprises may involve illegal fundraising.

No matter what form it is, it requires you to operate in accordance with the law, and you must guard against the risk of criminal liability. Whichever way you choose, don't cross the line of the law.

The so-called private financing refers to the financial behavior between the investor and the investee, in addition to the national statutory financial institutions, for the purpose of obtaining high interest and obtaining the right to use the funds and paying the agreed interest, using private lending, private bill financing, private financing and social fund-raising to temporarily change the ownership of funds. Taking the private financing market in Shanxi Province as a case study, this paper focuses on the analysis of the transaction form, economic and social effects of private financing, and puts forward corresponding policy recommendations. Since private financing often has the characteristics of regional finance, it is of practical significance to study the characteristics of private financing in a single province to grasp the community nature of private financing and the partiality of the transaction scope.

The main way of private financing.

1.Private lending.

2.Valuable** financing.

3.Bill Discount Financing.

4.Intra-company fundraising.

The conventional methods of private financing are:

1. Inter-enterprise financing.

2. Enterprises raise funds from individuals.

3. Financing between industrial and commercial households.

4. Individual-to-individual financing.

1.Direct financing: IPO bond issuance, share reform.

2.Indirect financing: commercial bank borrowing.