A Study On The Problem Of Non-governmental Borrowing Capital Under Marx's Borrowing Capital Theory

With the reform and opening up of our country,the private economy has witnessed rapid development.Private-owned enterprises have also continuously expanded their demand for funds,and their formal financial channels have relatively high financing thresholds.The demand of the market has led to the continuous development of private lending and its role in the economic operation of our country has become increasingly prominent.Private lending capital has filled the shortcomings of formal finance,eased the financing problems of small and medium-sized private-owned enterprises,promoted the improvement of financial services and also led to private investment.However,at the same time,the lack of financial supervision and legal norms has caused many social problems in the process of development of private lending.Social cases triggered by private lending disputes have been frequent.Because of our long-term financial repression,in order to meet the needs of financial markets,all sectors of society have called for the government to make laws and regulations on private lending to regulate the private lending market.However,due to the cautious development of private lending,our government has formulated a relatively fragmented Regulate the laws,regulations and policies of the private lending behavior so that the private lending activities are gradually activated in our country.However,the improvement of the system is not accomplished in a single step.We must solve the chaos and problems that emerged in the private lending capital market in light of the current social conditions and economic development conditions in our country so that the non-government borrowing capital can further promote the steady and orderly development of our economy.This article mainly includes five parts.The first part describes the background and significance of the selected topic,based on which,the author summarizes the research results of the major scholars at home and abroad on related issues,and points out the research methods and innovations of this paper.The second part mainly elaborates Marx's function of lending capital and interest and the role of lending capital to provide a theoretical basis for the research of private lending.The third part mainly explains the reasons for the emergence and development of private lending in China from the theory and reality.This part reveals the current status of private lending in our country,finds out the problems in the development of private lending in our country from its characteristics and the relationship with illegal fund-raising in the existing system,and analyzes the impact of private lending on China's economy,its existence and development Make up the shortcomings of the formal financial institutions,but also lead to the negative impact on the economy;the fifth part to elaborate the relevant comments and suggestions.