The Legal Regulation Of Private Lending In China

As China’s market economy develops and financial reform deepens, the private lendinggets active. While due to lack of the related legal system to supervise, private lending marketis in a chaos. At present, the private lending has been the hot topic in finance and wholesociety, which it’s necessary to discuss its supervised legal system in detail and in concrete.The thesis concludes following parts:First part introduces the general issues of private lending and its supervise legal system.It analyzes its concept, legal characteristics and existing form, and also its value by themeans of legal economic analysis theory, proves the rationality and necessity for privatelending supervise legal system. Second part introduces the existing problems and its reasonsin the supervised legal system. Third part introduces the aboard private lending superviselegal system and the inspirations to China. Examples from the United States of America,Japan and India have been introduced, and inspirations from set the legal status of privatelending, set the formal supervise institution and private lending association, improve itssupervision and punishment mechanism are put forward.Fourth Part discusses the improvement of the China’s private lending supervise legalsystem. On the basis above, the basic thoughts are put forward, and concrete suggestionsfrom the concept of private lending, set the multiple supervise main body, add the industryentrance-permit system, improve the lending ratio regulation and set the private lending riskpre-alarm and settlement mechanism. With the measures above, the private lending activitiesare regulated legally.