Research On The Legal Regulation Of Rural Folk Lending In China

As an informal financial lending model,private lending occupies a large proportion of financing activities in rural areas of china,which is widely favored by farmers,providing convenient channels for farmers’ financing,and promoting the development of rural economy to a certain extent.However,compared with formal financial credit,rural private lending is not enough,lack of guarantee,weak ability to resist risks,development and operation process has produced many problems,such as rural private lending after the dispute easy to have borrowers using violence,coercion and other means of black evil forces to recover debt illegal phenomenon occurred,directly affecting the improvement and harmony of China’s rural financial ecology.In addition,in the process of financial supervision system and the construction of national credit system mechanism,china has not included private lending in the scope of supervision and management,and the existing legal provisions are not perfect,the relevant provisions exist internal conflicts and lack of operability,making the judicial practice of r ural private lending disputes trial becomes complex and the difficulties of the application of the law.Therefore,how to regulate rural private lending activities,improve the legal regulation of private lending in rural areas,and promote the healthy and standardized development of rural finance is an urgent problem to be solved.Aiming at the study of the legal regulation of rural folk lending in China,this paper expounds the concept,characteristics,forms and value of rural folk lending in China by us ing the method of normative analysis,questionnaire,case analysis and literature research.On this basis,this puts forward the perfect path of the legal regulation of rural folk lending in our country.We should improve the relevant legislation on rural private lending in China,revise the relevant laws on private lending,formulate and enact the Law on Private Lending,enhance judicial initiative,enhance the effectiveness of judicial trials and establish a long-term mechanism for implementation;strengthen the supervision of rural private lending,set up special regulatory bodies,establish a scientific monitoring system;In order to provide some reference for the legal regulation of rural folk lending in China,so that rural folk lending is finally inco rporated into the legal framework to solve,and promote the healthy and standardized development of China’s rural economic market.