Research On Legal Regulation Of Folk Loan

Folk lending as a means of financial intermediation, provide much-needed funds for the development of folk economy and small and medium-sized enterprises, active civil idle funds circulation, plays an important role in our economic life. But the folk lending becau-se of its own characteristics, has also brought no small negative impact-- unsurious phen-omen on of frequent, capital chain rupture, disputes and mass incidents multiple etc.. Folk lending should be a reasonable regulation, but at present our country of borrowing to take a single management form, is not only the lack of legal basis, the more the lack of experien-ce in practice, there exist problems and difficulties. In order to the healthy development of folk lending and economic and financial market stability, Mustseek private lending legal regulation predicament as soon as possible the key reason,open up a high feasibility of priv-ate lending legal regulation way, solve the problem of our country’s private lending legal regulation.This paper first borrowing external manifestations of this behavior from the concept, history of folk lending, mainly includes borrowing the development, present situation, set the tone in the further study before. Then on this basis, through the realistic state regulation of folk lending laws and existing difficulties. Finally, combined with other overseas regi-ons and countries of the experience and lessons from the folk lending and credit regulation, according to the present situation and regulation dilemma of the informal finance of our co-untry, put forward to perfect the legal regulation of China folk lending suggestions.To our country folk lending legal regulation research and the establishment of socialist rule of law law society contribution strength.