The Order Construction Of Rural Human Lending During Our Country Transformation Period

Rural human lending, as one of the folk lending type, for relief of the present rural financial repression has its positive side, implement the rural microcosmic field within a certain degree of accommodation of funds. But due to the current rural human lending from lending of life centered to productive loan transfer:on the one hand, due to the spread of productive loan expand to strangers, broke the acquaintance society’s barriers, its credit risk, liquidity risk, legal risk, or even the regional financial risks increasingly highlights; on the other hand, due to the current formulation law of the folk to lending subject access, interest rate regulation, regulatory orientation exists dislocation and vacancy, to make rural social lending risk be amplified, further risk chain elongated. So need to admit that the rural human lending differentiation to civil and commercial lending, atomization and be typed on the basis of thinking, reflect on enacted law, In the perspective of differentiation of civil and commercial to isolate the risk of rural human lending,and use the experience of the "invisible" folk law order, be included in the modern rule of law, minimize risk, and reasonable allocation between the borrowing subject, realize the subject of benefits and risks matching.