The Research Of Private Lending Interest Rate Control

To curb the "financial San Luan" in the early1990s, standard private lending behavior, promote the healthy development of the private financial markets. Since1991, our country started the "Four times red line" private lending interest rate control approach, this control approach at the beginning of the run does have a stable financial order and safeguard the financial system of safety work, but with the deepening of the reform and opening up and the deepening of financial reform its disadvantages appeared gradually, has become a serious impediment to the development of market economy system in China. Any system of holding back economic development will be opposition, the "four times red line" is no exception. The Scholars in the reflection of the "four times red line".at the same time, also actively explore the development direction of the future about the "four times red line". This article was built on explore the cause of the "four times red line", legitimacy and practice effect, took example by the advanced experience about interest rate control of outside, put forward the private lending interest rate marketization is the only way for our country private lending interest rate control. However, the private lending interest rate marketization is not achieved overnight, its implementation must rely on a series of conditions, these conditions does our country have? In this paper, from the Angle of law, economics, analyses the feasibility of the implementation of private lending interest rate marketization in our country, put forward the condition of carry out the private lending interest rate marketization has been basically mature. However, cancel the private lending interest rate cap alone, carry out the private lending interest rate marketization and no perfect supporting laws and regulations, may cause economic instability, or even lead to economic recession. Therefore, at the same time of carrying out the private lending interest rate marketization, must be based on the perfect private lending subject system, supported by the sturdy private lending interest rate regulation system, supplemented by the court after correction private lending rate of the referee.This article mainly through four aspects of content to shed light on the question:The first chapter is our country private lending interest rate control research, this chapter is divided into three parts, the first part expounds the connotation of the private lending interest rate controls; The second part introduces the history of our country private lending interest rate control; The third part focuses on our current private lending interest rate control system-"four times red line".The second chapter is the research of private lending rate control of outside, this chapter is based on introducing the interest rate control model and its development trend of outside, emphasis on the enlightenment that the interest rate control system of outside to our country.The third chapter puts forward the private lending interest rate marketization is the only way for our country private lending interest rate control, this chapter through to profoundly elaborated the connotation and theoretical basis of private lending interest rate marketization, analyzed the necessity and feasibility of our country to carry out the private lending interest rate marketization.The fourth chapter consummates the legal norms of our country private lending interest rate marketization, this chapter focuses on the potential problems in the process of carrying out the private lending interest rate marketization, put forward the corresponding legislation countermeasure and the suggestion, in order to ensure our country private lending interest rate marketization is accomplished smoothly.