China's Current Private Lending Research

Since the reform and open policy 30 years, our country's private ownership economy obtained the swift development, what but does not adapt with the private ownership economy swift development was the reform of monetary system lag, backwardness financial system has restricted the privately operated small and medium-sized enterprise development seriously, but simultaneously also lent money for the folk the development has provided the broad space. The folk lent money for the privately operated small and medium-sized enterprise has provided the financial support, has made up the regular financial organ flaw, promoted the privately operated small and medium-sized enterprise development. The folk lends money oneself also in provides the fund for the privately operated small and medium-sized enterprise in the process the fast development, the scale expands gradually, affects day by day profoundly, is playing the vital role in the current China's economic development. But, we in saw the folk lends money the existence and the development have made up the regular financial existence insufficiency, impelled regular financial development at the same time, must see the folk lends money own existence the question.The folk lends money, because its own characteristic often lacks the standards, moreover the finance Supervisory department also with difficulty carries on the active oversight to it, has created the deterioration which the folk lends money. Some unlawful elements are flaunting the banner which the folk lends money, is engaged in the illegal activity, and is increasingly fierce; the serious influence folk have lent money normal development. Therefore, lends money in our country folk is at the underground covert activity condition for a long time, was considered that is the usury synonym, is illegal, receives the finance Supervisory department's strict monitoring, and suffers the government reorganization repeatedly. But the fact indicated that lends money the folk equates in the usury, then carries on the cleaning up investigation to it, is no use lends money the question in the folk the solution, also will affect the economical the development, but will only cause the folk to lend money by the more covert way conduct activities, easier to shelter evil people and countenance evil practices. If does not give the folk to lend money the legal status, it will continue by "underground" the form display function, and accumulates certain financial risk and the social risks. Therefore, how to treat the folk to lend money the question correctly, how does standard its development, and integrate it the supervision scope, is in the theory and the practice needs the deep research the question.This article the concept limits which lend money from the folk obtain, to be divided four chapters to carry on the elaboration. The first chapter is outline which lends money to the current our country folk, including lends money the concept connotation and the extension limits to the folk, lends money in our country's historical evolution elaboration and to the folk lends money the present situation to the current our country folk the description. This article thought that the folk lends money is refers to between the citizen, the citizen and the legal person, the citizen and other organizations lends money, so long as the both parties opinion expressed that real then recognizes effectively, because lends money the mortgage which produces correspondingly effective, but the interest rate do not surpass the related interest rate which the People's Bank stipulated. The folk lends money is the private capital one kind of investment channel, is the folk financial one form. The second chapter lent money the existence to the current our country folk the inevitability to carry on the proof, thought that the system agent and the folk lent money relatively regular financial the superiority are the folk lend money the existence inevitable objective basis. The third chapter lent money the existence to the current our country folk the question and the trend of development has carried on the elaboration, and has carried on the analysis to the related question and the tendency. The fourth chapter lent money the research to the current our country folk to make the summary, proposed the research conclusion and the suggestion, thought the current our country folk lent money the question and opportunity coexisting, needed to adopt the corresponding measures solution folk to lend money the existence the question, lent money a better service for the folk to create the condition in the economic development.