Legal Dilemma And Regulation Of Private Lending

This paper attempts to clarify the borrowing basic connotation and extension of the concept on the basis of analysis, the borrowing of the present stage of our country folk debit and credit status. The article thinks, folk debit and credit dilemma of laws including how to accurately distinguish between legal and illegal borrowing borrowing, borrowing interest rate marketization and official in how to choose, how to conduct effective supervision of private lending, only by constantly improving the legal system and the related system, can foster strengths and circumvent weaknesses, effective regulation of private lending, make better play folk financing function, service in our country’s economic development.The full text is divided into three parts:The first part, define the folk lends money the concept, analysis of the borrowing its connotation and extension, and combing the borrowing origin and the present stage of our country folk debit and credit status.The second part, introduced the theory circle and the practice circle faces how to accurately distinguish between legal and illegal borrowing borrowing, borrowing interest rate marketization and official in how to choose, how to effectively regulate several aspects of private lending legal difficulties, and puts forward the proposal.The third part, put forward to solve the folk lends money the legal dilemma path, point out that should be from the legal system and the related system proceed with, work along both lines, can effectively regulate the private lending, plays its positive role, overcome its negative effect.