The Case Analysis Of Zhao Hong Bing V.Li Wu Borrowing Dispute Lawsuit

Along with the rapid development of market-oriented economy and the rich of people’s life, more and more idle funds to dominate for peoples in folks, Meanwhile, a because the country’s tightening fiscal policy and the dual effects of the global financial crisis, and plus the laws and regulations that permit folk lending interest rates in folk higher than similar loan interest rate in financial institutions and bank’s lending,which make capital flow of the folk lending activities more and more frequent and active. In addition, small and medium-sized enterprises and the rural market are short of fund support in national traditional financial system on the one hand, and causing the small and medium-sized enterprises and the rural financing difficulties, on the other hand, the national financial institutions to folk financing is so lack of supervision that make the folk financing development disorder, which lead to folk lending more and more disputes, and the problem more and more complicated. This article through to the Zhao Hong Bing and Li Wu loan dispute focus problem in legal analysis, which reflects the legal norms on folk debit and credit lack of perfect our country, elaborated the necessity of the legislation of private lending. In view of this, in order to better protect the legitimate rights and interests of the people, through the analysis and reference of other countries on folk debit and credit legislation and regulations, further put forward some suggestions. The organization of the passage contains the following several parts:In the first chapter, the author introduces the basic situation on the case, and concludes that the focus and the actual legal problems, for discussed below the blackboard.The second part is on the issue of legal analysis; this part is the focus of this paper, in view of Zhao Hong Bing and Li Wu credit dispute controversy focus, combined with the current legislation are integrated and fully legal analysis. Analysis of perfect folk credit laws and regulations of the necessity.In the third chapter, the author came up with some a little superficial suggestions and ideas to perfect the legislation of our country in folk lending, and put forward the principles in the folk lending legislation, in the hope of helping a little to solve this problem.