The Legal Regulating Of The Folk Lending Research In China

This financing mode of private lending has been in our country for a long time. With the rapid development of modern economy, the normal financial institutions, as the mainblood of economic development,can not meet the needs of development of diversified market economy. As a supplementary force, the financing mode of private lending is playing a more and more important role. Especially for small and medium-sized enterprises, private lending hasbecome the main source of funds for their survival and development. In recent years, the number of private lending dispute cases has increased, and the drawbacks of private lending and legal regulation have been exposed. In order to maintain social stability, promote economic development, ensure social harmony, correctly guide the development of private lending, timely settlement of private lending disputes, strengthen the perfection of the legal regulation of private lending, without delay.The first part is the introduction, through the introduction of the research purpose, significance, current domestic and foreign research status and research methods and ideas and innovation points are described. To make readers have a general understanding of the background of this topic.The second part mainly discusses the general problems of the legal regulation of private lending. Since it is to conduct legal regulation on the issue of private lending, then the first thing to understand what is the private lending. In this paper, through the definition of private lending, features, causes and other aspects of the narrative, so that we understand what is the private lending. Then from the aspects of concept, characteristics and function of the legal regulations of private lending is expounded, and let people know what is legal regulation, legal regulation of private lending is what characteristics, discusses the legal regulations of private lending through indirectly reflects the necessity of legal regulation of private lending.The third part is an overview of the current situation of the legal regulation of private lending. First, it lists the main legal norms of current and private lending, and then expounds the current situation of the legal regulation of the main issues related to private lending. Is mainly elaborates the folk debit and credit status, subject, interest rates under the current status quo of the legal regulation of showing what state, the current legal norms provisions on these issues to what degree, and through observing the law in different stages of these problems make different provisions of the changes to understand the trend of the development of the private lending market, which is the better of the legal regulation of private lending.The fourth part describes the problem of the private lending in the legal regulation. This part mainly from the borrowing of the relevant laws and regulations is not perfect, legal and regulatory system is not perfect, legal protection system and measures imperfect several aspects to analyze the defects of the existing legal regulations of private lending. The rapid development of economy makes the private lending market is extremely hot. However, China’s current did not a more in line with the current lending market development, perfect, specific, specialized borrowing method to adjust lending market confusion. Coupled with a regulatory body and the object are not clear regulatory system, but also the lack of a legal system of security, making the issue of private lending in the legal regulation on the show a lot of deficiencies.In the last part, some suggestions are put forward to improve the legal regulation of private lending in our country. Through the front part of the paper, in the understanding of the present situation of legal regulation of private lending in China based on the analysis of private lending in China in terms of legal regulation of insufficient, so as to improve the legal regulation of private lending in our country puts forward several suggestions. First of all, it should be on existing Ming lending laws and regulations to carry out unified regulation and compilation, between the legal norms of effectiveness ratings more clear, make the legal norms is more coordinated and unified. Secondly, to increase the legal supervision of private lending, the supervision subject and object more clearly, abide by the law, to implement the regulatory responsibility, make the supervisory system actually given its regulatory role. Finally, in view of the problems that may arise in the private lending, this paper puts forward some suggestions for the government to take measures to protect and solve the problem.