Study On Legal Problem Of Private Lending

Private lending is an important part of China financial system, and it played positive effect on economy developing. The private lending market is chaos because it lack of legal reference, market access control and management of financial supervisory authority. In order to regular private lending and help the economy developing in healthy track, we carried out study on legal problem of private lending. Market access, interest rate, P2P net credit platform were analyzed in the thesis.Private lending could affect financial security. We analyzed the defect of market access on private lending. Improving suggestion was provided in market access legal system set up, principle, qualification of subject, financial rule, business et al.Interest rate is the core of private lending, and it is still discussing on if is correct to set up private landing rate according to bank benchmark interest rate. We studied three opinions and provided our own opinion. The opinion were open rate, control rate and compromise method. We discussed legal problem on interest rate control and provided suggestion on it.P2P net credit platform provided a platform for both credits and debits, but great risk existing by its open access and non-supervision. In order to help P2P net platform developing in healthy track, relative legal and method should be set up to minimizing the risk. Advices will be given in the thesis to minimize the risk on P2P net credit platform.