The Folk Lending Legal Issues Research In China

Folk loan，it has always been. In recent years, with the pace of development ofprivate lending more and more quickly, the scale is more and more. This grey areabefore, have gradually entered people’s field of vision, people pay more and moreattention. But the current domestic scholars to study the relative to the developedcountries abroad, the research, more just study in some negative effects on the onehand, there are few comprehensive and systematic study of folk loan this phenomenonworks out. of course, this article discusses the folk lending is primarily for profit andspecialize in lending business organizations and individuals on lending to commercialsex, and do not include general folk lending namely those non specialized privateborrowing. In the last part of the article, combined with the actual situation of ourcountry, to further improve the system of the legal regulations of the our country folklending and puts forward some countermeasures: First of all, reasonable positioningour country folk lending; Secondly, to strengthen the authority of current law system,coordination; Once again, on the basis of the current laws and regulations formulatespecial folk lending laws and regulations; Finally, the establishment of our countryfolk lending supervision mechanism, establish the principles of the four supervision ofprivate lending.