Private Lending Disputes And Its Countermeasures For Prevention

Private lending refers to the natural person and natural person, natural person and legal person, natural person and other organizations around the country, formal financial institutions lending transactions between the direction of the other party to borrow money, borrowers who expire reimbursement and press about the behavior of the interest payments. At present, along with our country economy rapid development, market demand for money increases sharply, but since the formal financial institutions of the non-public sector of the economy and personal lending strict restrictions, formal financial institutions can’t enough market thirst for money. So, can meet the demand of the capital market, is easy to deal. Rapid development of private lending, and the scale expands unceasingly. But as a result of the folk lending in recent years has been a lack of effective supervision, emerge in endlessly, borrowing disputes and disputes both quantity and amount for rose sharply, seriously affected the social stability. Draw lessons from foreign mature experience of private lending to prevent dispute legal system, the focus must shift from combat limit private lending to standardize guidance, through the integration of perfecting legislation, optimization of the administrative supervision system, to set up the credit rating system, crack down on illegal private lending and other measures, the establishment conforms to the situation of our country folk lending supervision system, promote the healthy development of private lending market.