Research On The Legal System Of Private Lending

Private lending private finance as one mode of operation, with its unique flexibility and convenience to make up for the shortcomings of formal finance.It has played a unique contribution to the comprehensive development of China’s economy. But a long time, China has been the lack of specific laws to regulate supervision and guidance of private lending, private lending due to the inherent shortcomings of China’s financial market has brought huge financial risk, largely affected the stability of financial markets. The current legal status of non-private lending, not only conducive to the promotion of the role of private financial deepening financial development, and largely forced private lending long marginalized, making a large financial risks hidden beneath. In the article, after a brief introduction to the concept of supervision of private lending, private lending departure from the status quo, typical analysis the United States, Chinese Taiwan, China’s mainland, Japan, Germany, the private lending regulatory body, the content of regulation, the regulatory system, made suitable for China’s private lending Legal System recommendations to the study of private lending supervision legal system contribute.In addtion to the introduction andconclusion,the article is divided into four parts:The first part is the theoretical analysis of supervision of private lending, first discusses the concept and characteristics of private lending; Secondly, the concept of private lending regulation defines; the final terms of the negative effects of the importance of private lending and private lending triggered to analyze It indicates the need for regulation of private lending.The second part describes the regulatory status quo of private lending, the gradual standardization of development from our current financial system and private lending behavior parts of the country but still need to study and explore deeper level of reality, combining the regulatory status of private lending, draw our country private lending regulatory body is not clear, lack of content regulation, the regulatory system does not match the problem.The third part is the United States, Chinese Taiwan, China’s mainland, Japan, Germany, the private lending regulatory body, the content of regulation, regulatory system typical case analysis.The fourth part is to propose to our private lending regulatory recommendations to improve the legal system, combined with the typical private lending case the third part of the analysis, the regulatory body clear of borrowing folk consider central legislative and local agencies responsible for the dual regulatory body for the voluntary filing and mandatory filing, access to exit light weight combined daily supervision of regulatory elements, the private lending industry associations self-regulatory, administrative supervision, judicial supervision of multi-level monitoring system.