The Theory Of Informal Lending’s Legal Regulating

In the process of rapid economic development,lack of funds to start becomes thenorm,then the emergence of private lending to a large extentsolved the problem ofinsufficient funds,while making some idle reasonableuse of privatecapital.However,due to theim perfect regulatory system,in the course ofdevelopment,there will inevitably besome drawbacks,such as some loan-sharkingperson nelconducted through the guise of private lending, corporate managerscontribute to escape and so on.This hindered the development of private lendinglargely.At this stage,the government in the financial sectorhas absolute dominance,management of private lendingis alsovery simple, there is no targetedset some legalprovisions.Inthe field of imperfect regulatory system development process makes itmore and more difficult.Welearn fromthis article is full of other countries around theworld in the field of civil legal lending terms, and thenput forward the feasibility of arelatively high legal provisionsaccording to China’s actual situation.This article has seven parts, the first part introduces the advantages of privatelending and the impact of thef inancial sector,while the process of development ofsome problems, so the depth of private lending is necessary.The second part to definethe meaning of private lending,private lending has described the specific nature of thesubject matter,verbally agreed manner,characterized by the coexistence of paid andfreeThe third part from both positive and negative regulation of private lendinganalyzes the necessity of regulation of private lending.For example,private lendingdisorderd is rupt the normal financial order and there is a hugerisk, affecting the healthydevelopment of the market economy and threaten social stability,and so on.The fourthpartfocuses on the implementation of private lending and some deficienciesexist in ourcountry.The fifth part describes some of the countries around the world int he field ofprivatelending laws and regulations, so that we will be moretargeted in the process ofimproving their own system,can improve our country in private lendingin learningadvanced experience of others on the basis of areas of law, such asthe establishment ofa number of regulatory agencies, etc.The sixth part oft he mainlegal provisions for the stage were analyzed and compared, and givesome feasible suggestions.Part VII is theconclusion,the need for the introduction of the regulatory system practiced in privatelending process.