Small And Medium-sized Enterprise Financing Of Folk Loan Risk Prevention Legal System

In recent years, the Small and medium-sized enterprise financing of private lending activities in our country is rapidly expanding trend, and produced a lot of legal disputes and illegal crime problem, for Small and medium-sized enterprise financing of folk loan risk prevention is very urgent task. Therefore, this article from the legal Angle to our country Small and medium-sized enterprise financing of folk loan risk prevention this problem are studied.Based on the study of Small and medium-sized enterprise financing of folk loan risk prevention legal system process will this paper is divided into five parts, the first part is introduction, mainly on the topics background, purpose and significance, the domestic and foreign research present situation and the development trend, and expatiates the research content and method, etc are explained, the purpose is to clear the ideas; The second part is to nowadays social repercussions strong " Wu Ying case " review and investigation, through this case reaction out our country Small and medium-sized enterprise folk lending some problems in thinking and asking questions; The third part lent money the risk guard legal regime to in the Small and medium-sized enterprise financing folk the basic theory to do the research, in after in the Small and medium-sized enterprise meaning, the Small and medium-sized enterprise financing folk lent money the risk the meaning, the type carried on the analysis, thought our country lent money the risk to the Small and medium-sized enterprise folk the guard is necessary and feasible; The fourth part to our country Small and medium-sized enterprise financing of folk loan risk prevention legal system present situation, problems and causes for the investigation. Think that at present our country Small and medium-sized enterprise folk loan risk prevention legal system main existing legislation system chaos, the existing law does not improve and legal supervision mechanism is not sound, these problems have history, legal culture, legislative level and the level of economic development and so on various reasons. The fifth part is to perfect China’s Small and medium-sized enterprise financing of folk loan risk prevention legal system puts forward detailed strategies. Think of the Small and medium-sized enterprise folk loan risk prevention first must adhere to the moderately intervention principle, economic security principles and economic efficiency principle, Secondly, in the face of Small and medium-sized enterprises at present in our country folk loan legislation scattered, chaotic situation, our country should be mapped out promptly to separate regulations for Small and medium-sized enterprise folk lending practices to regulation; At the same time, should also speed up the folk loan related legislation, is clear about the Small and medium-sized enterprise folk lending legal status, strictly control the folk loan admittance system, make a reasonable adjustment lending interest rate regulation, improve folk loan guarantee law, is clear about the legal and illegal behavior of the limit; In addition, should establish an effective legal supervision mechanism, clear enterprise folk loan regulatory body, perfect the enterprise folk lending legal supervision content and mode, perfect the norms and sanctions illegal lending behavior law; Finally, and improve the people and the enterprise own risk prevention consciousness.In this paper the choice for the current hot issue-Small and medium-sized enterprise folk loan risk prevention are studied, in the research and analysis on the basis of previous research results, this paper research method to the problem solution of the argument on the reasons things out the innovations. First of all, this paper combines the "Wu Ying case" it is a typical case for research, the thesis research more materialization and have specific aim, different from the usual pure theory research. Secondly, this article from the "risk prevention" angles to study the problem, to our country Small and medium-sized enterprise financing of private lending has more practical meaning and risk prevention can better safeguard the financial order, stabilize the market economy. Again, this article from risk prevention should follow the legislative principles, the choice of style to the specific legal system construction, and then to law enforcement and supervision, the Small and medium-sized enterprise folk loan risk legal protection put forward a set of comprehensive legal countermeasures to perfect. Expect to Small and medium-sized enterprises through folk loan risk prevention legal system research to for our country Small and medium-sized enterprise folk lending risk prevention provide theoretical support, reduce our country Small and medium-sized enterprise financing of folk loan risk, promotes our country Small and medium-sized enterprise the reasonable development.