Folk Borrowing Some Difficult Problems Of Civil Law Research

Private lending market has been in a state of half underground, it objectively widened individuals, small and medium-sized enterprise financing channels, to a certain extent, solve the social financing demand, but the folk lending in China’s legal status is still in not clear legal status, there is no direct gives its legal status, related laws and regulations is scattered, relatively prominent folk lending problems, such as between enterprises lending effect, folk prescription lending, folk lending interest and other laws and regulations to be perfect. To our country folk lending can be said to be taken quite strict limit, to a certain extent, hinder the normal development of the folk lending. Scholars of the folk lending research is still in its early stages, some studies still need to use for reference foreign ideas and mode, absorb its essence, therefore, the author thinks that should be clear legal status of private lending, promulgated a special law to regulate, give the certain development space, and at the same time, the government should also properly supervision.