| Informal credit is the social phenomenon of great concern by the academia, media and government in recent years, not only because it has become an important way of private financing, but also involve surface due to the wide range of participation of civil subject, far beyond the officialthe estimated direct impact on the construction of the financial order and security and commercial credit. The academic study on informal credit contract from different angles, but in the area of civil law, scholars of their study are still loopholes and flaws, while our country’s laws and regulations are obviously incompatible with the development of informal credit,and need to improve.The author in the introduction of the constant chaos of informal credit contract affecting the normal financial order, so the central government has repeatedly said that to strengthen its regulation, will be included in the legal track, the legal norms of the civil contract of loan there are obvious vulnerabilities and inadequate; in the second chapter, article comment scholars connotation of informal credit contract disputes, mainly the different scope of the subject of the contract, the author gives the definition of this article, and further analysis of the legal nature of informal credit contracts and our legislative status; the third chapter analysis the effectiveness of inter-enterprise lending contract, certainly inter-enterprise lending contracts that should be affirmed, because that is not only consistent with the basic theory of freedom of contract, but also adapted to the requirements of today’s corporate financial intermediation. Troubled by the judiciary and the legal profession, private lending contract problems in Chapter IV, respectively discourse, especially the responsibility of the parties, usury, receipts and other legal issues, presented the author’s point of view. |
