Legal Supervision Of China’s Private Lengding

In recent years, the scale of China’s private lending activities increasingexpansion of private lending growing influence of China’s financial, Wu Ying caseoccurred the Quanzhou area financial reform program launched in Wenzhou, privatelending has become the financial sector and the whole social hot discussion. Thegreat private lending to make up for the lack of formal financial and socio-economicdevelopment of our country, especially to ease the financing difficulties of SMEsplay a very important role. But for a long time, China’s regulation of private lendinghas been to take the high-pressure form of regulation, there is the regulatory bodylongs complex regulatory object, the scope of regulation is too large, a singleregulatory approach "flawed", the regulatory status quo is not only not conducive toplay private lending role in promoting economic development, but also in large partto force the private lending long-term in illegal edge bears a lot of financial risk.From the definition of private lending legal and regulatory areas, the necessity ofdeparture, from the analysis of the status quo of China’s private lending legal andregulatory and problems of four aspects of the regulatory body, the object, scope,manner, and learn a few typical extraterritorial national and China’s Hong Kong andTaiwan regions the private lending laws and regulatory experience, put forwardsuggestions for improvement of the legal and regulatory system in China’s privatelending.The article is divided into four parts:The theory of the first part of the legal regulation of the private lending,elaborated the concept and scope of private lending laws and regulatory theory basedon value system.The second part of the study of China’s private lending laws and regulatorybody, object, scope, the means to analyze the current situation and existing problemsof China’s private lending laws and regulatory.Learn from the experience of the third part of the system of the extraterritorial private lending laws, including: the United States, Japan, India, Hong Kong andTaiwan.The fourth part is the improvement of China’s private lending regulatory regime,mainly: the value orientation of the private lending legal and regulatory system, theestablishment of a multi-level regulatory system, emphasis on the differentiation ofregulatory object, clear the content and scope of the legal and regulatory norms andlegal regulatory the use of the way.