Analysis Of Legal Issues Related To Inter-enterprise Lending

Inter-firm lending is a form of mutual lending between non-financial enterprises or other non-legal entities.Since the outbreak of the global financial and economic crisis in 2008,the contradiction between the downward pressure on economic growth and the relative surplus of production capacity has become increasingly apparent.The problems of rising production and operation costs and lack of innovation capacity exist in the financial sector,the monetary policy continues to tighten,the small and medium enterprises Financing difficulties,private financing interest rates continue to rise.Although China has changed from moderately tightening to stable and flexible monetary policy,the loan procedure is complicated and the cost of mortgage is too high.The problem of corporate financing is becoming a hot spot of social concern.As one of the important financing methods of small and medium-sized enterprises,inter-enterprise lending has undergone a transition from absolute prohibition to conditional approval in the judicial process.Based on the analysis of the legitimacy of inter-enterprise borrowing,this paper proposes to construct an inter-enterprise lending system which is suitable for the situation of our country through the reflection of the possible problems caused by inter-enterprise lending.By changing the concept of inter-enterprise loan supervision,Establish a sound inter-enterprise lending legal system,improve the inter-enterprise lending regulatory system,to achieve prevention and control of financial risks and promote economic development goals.