In China, Wenzhou and other places, folk financing difficulty has serious distress to the local enterprise's normal management. To solve the folk leasehold dispute and the SME loan difficult, can not only consider private lending norms, but also consider the folk financial operation mechanism. Private finance is an important part of the national financial system, which can not be replaced, need to let go of the informal financial market, left to the market enough self-determination space, administrative power the excessive intervention. Management of informal finance is not equal to establish uniform laws, can encourage local government to develop suitable for some of the local rules. The folk financial problem lies in the financial reform and financial innovation, namely, change idea, reform of the financial mechanism, the main is to eliminate the financial monopoly.
