Our Country Private Lending System Analysis

In view of the private lendingcrisis andthe boundariesof the legitimateprivate lendingand relatedcriminalbehavior had causedwidespreadand debate.It have becomecommon,everyonehaveit’s ideas.In practice,differenceplaceshavedifferent approaches.But, what incommonis the same purposethat weall exploring the path of promotingthe private lendingtobe more legal,fair andreasonable,tomake it betterfor the social economicdevelopmentandnationalconstructionT.his articleis also in linewith this objective.At present, the study of the private lending, is mainly from the angle of economics,the study from the law perspective is relatively shallow; is mainly focuses on the framestructure from the system level, discussed from the legal theory or make countermeasuresand suggestions in “ought to be”. Relatively speaking, the systematic analysis of practiceand the combinationalanalysisof practice andtheory isless.This paper intends to draw lessons from the related subjects such as economics, lawscholars; for the main object of the most active areas of private lending in our country;using a variety of methods, including theoretical analysis, historical analysis, empiricalanalysisandexample analysismethod;Analysisthe characteristics andthe problem easytocause of the private lendingfrom the perspective of the wholetheory and practice methods.And gives the corresponding countermeasures that refer to the latestpractices of Wenzhouin our country, to make contribution to the standardization and scientific of the privatelendingpractices inour country.Specifically,the first chapter analyses the definition of the private lending, analysesthe boundarybetween the private lendingandsimilar actionfrom theory andpractices. Thesecond chapter mainly discussed the relevant characteristics that leading to the privatelending crisis. The third chapter specific analysis the relevant character that leading to theprivate crisis. The fourchapter system analysisthe current reform practice and increase to relatedcountermeasures combinethe financial reformof Wenzhouin our country.