The Study Of Informal Lending In Our Country

In recent years, the scale of the informal lending continues to grow and its trading hasbecome increasingly activly, so, the informal lending system has been a hot topic in thefinancial and legal fileds. The informly lending can play a positive role to our economic,also, negative effect is coexisting. For this reason, how to take charge of the inrormallending effectivley and make it suit the development of the economic has been a questionwhich need to solve urgently.In the first part of this article, the basic theory of informal lending is introduced.Specifically, I define the concept of the informal lending by analysis the legal concept,legal feature and other characteristic of it. Then, I analysis the generating reason of theinformal lending and its current situation which can announces the objecticity of informallending.In addition to this,by means of the analysis of the positive role and the negativeeffcet of informal lending,the necessity of informal lending is proposed. In the secondpart, I investigate the regulatory system of the other countries in order to analysis thesyetem deficiency of our country. At last, on the basic of the study of the overseasinfomal lending system, I propose the common point about these countries and pick upthe imperction of our regulatory system.In the end, I propose some reasonable advisesand legal suggestions which can perfect the inforeal lending system in our country.Choosing appropriate regulatry path and supervision modle is the core thoughts ofinformal lengding, so, to realize the legalization of informal lending is the necessarypath.That is to say, the goverment should affirm the legal informal lengding and denyunlawful action when relevant laws are estabilished. As to the supervition modle,classification regulation and key regulatary regulation should be chosen,which means thatthe standard of classification is the profitability, so, the commercial fairs should besupervised in special. As to the the laws of informal lending,I suppose that the goverment should guide the positive role of informal lending actively.At the same time,to limit thenegative effect.we can enact specialized laws and modify the current legislation in orderto reach this purpose.