A Study On Research On Legal Issues Of Chinese Rural Folk Lending

To realize the modernization of rural areas and to solve the problems of agriculture,rural areas and farmers is an important goal in China's thirteenth Five-Year Plan,of which,in the process of rural modernization construction,China must pay attention to the legal system and rural financial perfection.With the deepening of reform and opening up,China's rural areas also ushered in the development of their own prosperity,rural financial organizations in the process of economic development has undergone tremendous changes.Although the rural areas have been combined with their actual development,the establishment of the Development Bank,Agricultural Bank and Industrial and Commercial Bank of China as the representative of the financial system,but has not yet introduced and rural finance-related legal system,the existing legal system there are many The rural financial organizations in the process of practice there are many shortcomings,private lending in rural financial markets still account for a large proportion.As an informal financial model,private lending can compensate for the lack of formal financial model,and quickly solve the farmers in the production and practice in the process of facing financial problems.In addition,with the improvement of people's living standard and quality of life,the scale of private lending has expanded and diversified in the process of enlarging the scale of production,further promoting the improvement of rural economic strength.This kind of informal financial model lacks effective external supervision in the process of practice,so it is difficult to avoid many illegal phenomena,which is an important characteristic of private lending.This kind of financial loan model is different from our country Some economic policies have many contradictions,hindering the implementation of China's economic policy in rural areas.This paper is composed of four parts.The first part is the introduction of this paper.It introduces the background of this research and the research of scholars home and abroad.It analyzes the history of rural non-governmental borrowing,The characteristics,functions and effects.In the second part,we can know the actual situation of the private lending in rural areas from the different levels of legal norms and legal supervision and legal subjects.The third part takes the actual situation of rural non-governmental loan in Longxing Village of Changchun City as the basis of practice analysis,and obtains the primary information through the practiceinvestigation and the visit form,and from the macroscopic angle,understand the cause and present situation of the folk loan in the countryside.The fourth part,taking into account the actual situation of private lending at home and abroad,for the normal development of China's private lending indicate the road.The fifth part,from the relevant systems,risk prevention and control and supervision mechanism,combined with the actual situation of China's private lending to improve the views of the legal system to promote the improvement and establishment.