Research On Legal Regulation Of Folk Credit

Folk credit easy into illegal fund-raising, facing the global financial crisis, illegal fund-raisingquantity increased quite instead, imposed is rising. In recent years, lishui little girl funding fraud,with new boat illegally accepting case, and xiangxi TengWanCui illegal fund-raising case, theintime group illegally accepting case, ecru group wu ying illegally accepting case, the futureagricultural companies such as raising funds illegally accepting case of crimes occur, folk creditand illegal fund-raising both vague bounds, has caused a lot of experts and scholars debate. Theexistence of this dispute to reflect upon our, whether the law collects the utterance, illegal fundingand private lending and where the boundaries. This paper will be based on the judicial practiceneed, in ningbo cixi court folk lending to the hearing of the case, based on the new characteristicsof folk credit appear new form, and the weakness and reason, to the folk in lending legal regulationdefects do deep research, to perfect the legal regulation folk lending.Paper is divided into the introduction, the text, endnotes three most, text mainly divided intofour parts:The first part is the present situation of the folk credit overview, mainly from the present folklending activities of the generation of new forms and new features, including the current all kindsof new folk financing, social financing form and content emerge in endlessly, make a lot of cases itis hard to define.The third part is a concrete analysis folk lending the defects of legal regulations, including therelevant laws and regulations and not uniform dispersion, have certain law also have no regulation,academic circles to its also has certain controversial. At the same time, the folk lending regulatorylegislation also lack, our country’s existing regulation system of folk lending no specific regulatorysystem Settings.The fourth part is perfect the legal regulation folk credit. This paper discusses the key part,there are four main measures, including establish special law, sure its legal status; Unified folklending relevant laws and regulations and establish a folk lending supervision mechanism, relaxingfolk lending market access, and strengthen lending process supervision.