Legal Regulation Of Private Lending

Folk loan is a historic topic in our country and even the whole world, such provisions as early as in the "code of Hammurabi" : "if a free people borrowing, there is interest, no silver debt, but only in accordance with the provisions of the grain, the king, Tamu card should only be per Kuru one hundred card computing, valley think interest." First, in our country, about 56 the topic of private lending has long been the public attention. Especially in recent years, many problems caused by the rapid development of private lending has attracted research interest in all aspects of the experts, scholars. A form of borrowing as China's financial development itself is indispensable, it eased the financing difficulties of small and medium enterprises from the problem of a lot of great significance, to promote the maximization of capital utilization in China's social and economic development. Because of the legal regulation of China's current lack of systematic, disputes about the folk lending caused occurred continuously attracts much attention of experts and scholars. In the private lending, the legal lending and fund-raising fraud of the similarities and differences, crime and non crime boundary, inter enterprise lending and other questions need in-depth study.Combination of these circumstances, I read a lot of literature, to do a detailed social survey, analysis of the current situation of private lending in this system and the main problems, at the same time, the introduction of new national reference first financial local laws and regulations and the first specialized standard folk finance regulations, provide a good reference platform for folk lending organizations across the country and the legal regulation of the legal system of our country, the new borrowing or short of regulation, since such to prevent and defuse financial risks, our country folk folk financing market order maintenance to provide the framework of new and important significance, this article uses the new field of vision as the basis for our entire folk lending legal regulation system.