Legal Adjustment Of Private Lending Rates

As one of the main means of social financing,private lending plays an important role in the development of market economy.Private lending rate is the core problem of private lending,in a number of opinions on the people's court case lending in 1991 promulgated by the Supreme People's court "(hereinafter referred to as the" opinions "on 1991)private lending rates of certain provisions,but with the rapid development of China's economy," 1991 "has been unable to effectively apply in the nearly 15 years after the lending behavior,therefore,since September 1,2015 the implementation of the" Supreme People's Court on Several Issues concerning the trial of civil borrowing cases applicable law "(hereinafter referred to as the" judicial interpretation "of private lending)and timely solution to the stiff meaning and backward folk lending legislation,provides more scientific and discretionary scale reasonable and keeping pace with the times in order to solve the new period of private lending disputes.This paper is divided into 3 parts,expounds the folk lending rate to the legal adjustment of reality and legal significance of the detailed analysis,and through the comparison of historical analysis and horizontal foreign private lending rate regulation pattern analysis,discussed the interest rate of private lending legal adjustment model is more scientific and reasonable and effective.The first part describes the general theory of private lending,through the analysis of the nature of private lending,the economic value and legal significance of the legal adjustment of private lending interest rates.The second part is the analysis of the folk lending rate in foreign legal regulation legislation mode and mode of economic development through horizontal comparison,interest rate of private lending legal adjustment way of trying to become more scientific and reasonable,more conducive to economic development.The third part of the comprehensive analysis of China's current civil loan interest rates to adjust the legislative and practical issues,to explore more suitable for China's current economic development interest rate adjustment model.And to establish and improve the mechanism of interest rate regulation and put forward the feasible proposal.