On The Innovation And Improvement Of The Regulatory System In China’s Private Lending

With the development of economy, the private lending accelerated the pace ofdevelopment in China’s financial markets, in the form of increasingly diversified.Private lending because of its flexible form, convenient transaction by the pro-gaze,But the one hand, due to the country in terms of system is still based on concept ofstrict controls on private lending, private lending controls are too stringent; On theother hand, China The lack of special legislation for private lending, in addition,China’s private lending in terms of monitoring highlights a serious shortage. Thisarticle, two focus on the legislative and regulatory perfect from private lending toborrowing play a normative role of our country folk, and thus promote the healthyand orderly development of China’s private lending market. In addition to theintroduction and conclusion section is divided into four parts.Part1: Overview of private lending. This section discusses the concept ofprivate lending defined characteristics and specific types, and private lending andillegal fund-raising distinguish basic conceptual combing and positioning for privatelending For further discussion of private lending for later foreshadowing.Part2: Causes and existing problems of China’s private lending. This sectiondiscusses the private lending in China from generation to development, and nowmore prevalent, the author summarizes the current issues of private lending, targetedmeasures and recommendations in the perfect aspect.Part3: the need for supervision of private lending and its existing problems.This section first analyzes the necessity of private lending; Second, the existing problems of China’s private lending regulation combing, mainly including too strictgovernment control, the regulatory body is unknown, access and withdrawalmechanism is imperfect and related legislative missing bit problem.Part4: The perfection of the system of civil regulatory and legislativeproposals. Part from improved regulatory system and specialized legislation toestablish two discussed the perfection of the regulatory aspects, mainly to relax thestrict control of the government over private lending, improve market access and exitmechanism of private lending, as well as a multi-level regulatory system at the sametime, the focus is perfect for private lending, trading activities and supervision of risk;legislative proposals, I intended efforts to build a relatively complete private lendingspecialized legal level of private law to make such disputes as far as possible beresolved according to the relevant provisions of the Civil.