Research On The Problem Of Private Lending In China

Private lending as a world-wide concern hot issues in the development of our country has been in a swing state, but ongoing. It can promote economic development as, but it is there is a certain risk industry, it has a positive side, there are also disadvantages. For our part, though since the reform and opening up, the government attitude towards private lending has been shaken, but it has been active in the private financial sector. Especially in the fast economic development in China mid- under coexistence of various economic background of the financial system lag far failed to meet the development of private enterprises, the private economy rely on a strong private lending capital, perfect to survive in the cracks and fast-growing mature. And precisely because of this special period, private private lending industry is to survive in the private, qualified mutual support weaker companies, mutual remedy defects formal financial institutions, in this context, the private lending industry continues expanding influence is gradually shake the status of traditional bank lending market hegemony. But should not be overlooked is that private lending after all, there has not been a formal laws to regulate this, the corresponding legal problem occurs, more common in civil law, commercial law constrain this. But the development of society has made private lending issues legally binding decreased, although private loans has great risks, but it plays an irreplaceable role in promoting the economic development of the road.This paper consists of six parts. The first part describes the background and significance of this article, on the basis of the main scholars research on the relevant issues were Commentary points out the research method and innovation of this paper; the second part describes the meaning of private lending and Marx on the nature of loan capital and interest and other related theory reveals; the third part, in terms of size, shape, features and obstacles to development of private lending and other analysis of the current status quo of private lending; the fourth from the capital supply and demand, investment channels, their strengths and elaborates on the five aspects of private lending mainly active; fifth part analyzes the effect of two different private lending on China’s economy, its existence and development to make up for the shortage of formal financial institutions exist, but its own problems, resulting in a negative effect on the economy; sixth part describes the relevant comments and suggestions.