Study On The Regulation Of Private Lending Legal Risk

Folk loan is a complicated and controversial issue, itsdisadvantages inthe people knew, but can not deny thevalue of the existence of contradiction. With thedevelopment of our market economy, private lending has become increasingly active. On theone hand, borrowingthe form is flexible, simple procedures, compared with thetradinghabits and social psychology of the people, to alleviate the "three rural" and the small andmedium-sizedenterprise financing difficult problem, promoting economic development, at thesame time, it makes up for the lack offormal financial services, plays a supplementary role; onthe other hand, folk credit management is not standardized, there are subtle, difficult tomonitor thetransaction risk problem, brings the negative social impact of the implementationof the financial stability andmacroeconomic regulation and control. Therefore, it has veryimportant realistic significance to the development ofprivate lending standards.The concept of borrowing is defined, first introduced thelegislation evolution ofborrowing, the folk debit in the conventions, the continuity, not perfect and repression oftheory, the demand of the enterprises, borrowing from financial supervision system, lawsand explained the reason of the existence and development of private lending. According tothe Wenzhou financial reform as an example, analyzed the problems of legal risk in ourcountry folk loan faces. The third part mainly studied theregulation of privatelending risk, research at home and abroad through the comparison method, to learn from othercountries and regional borrowing plan, and the innovation and improvement of the legalsystem of private lending.