In recent years, private lending activities unusually active, folk debit and credit problem becomes the financial circles and even the entire society ‘s hot topic. Private loan to China’s social and economic development made outstanding contributions, greatly make up for the lack of formal finance, promoted the development of private enterprises especially small and medium-sized private enterprises development. However long-term since, our country has been the lack of private lending special laws and regulations for the supervision and guidance, private lending activity generated huge risk, greatly influences the stability of the financial markets. Therefore, the folk financial activities has been the subject of government repression. On folk debit and credit strictly suppressed, combat situation, not only profitless play financial deepening, financial development role in promoting economic development, but also to a great extent forcing borrowing in the long-term illegal edge, contains a large number of financial risks. Borrowing the decide on what path to follow, how should the regulation, become a real problem that solves urgently.This article through to the Wenzhou folk debit entry key case, analyzes research background and significance, and elaborated the research method. From the folk credit development situation and in the monitoring of the necessity, combined with the reality, analyze the present Wenzhou folk leasehold defects and its causes, based on this proposed consummates our country folk credit supervision system of specific recommendations.
Key words: folk debit and credit; supervision; strategy