The Legal Regulating Of The Theory Of Our Country Folk Lending

Private lending is an important way of financing in China’s formal financial system, and has a certain role in promoting the economic development of our country, but at present our country private lending legislation lags behind, the government regulatory system defects, the folk lending in fact finding difficulties, making China’s private lending in reality can not fully play its positive role. To a certain extent, affected the normal development of the financial system and national economy. In this paper, through the analysis of the current situation of regulation of private lending laws of our country, explore the existing problems and reasons of China’s private lending, and learn from foreign experience, to improve China’s legal regulation of private lending suggestions. Our country should determine the appropriate intervention principle of legislation, and gradually build the legal system of private lending, clear county district level government as the main regulatory power to the government registration as a regulatory approach, combined with the insurance supervision of private lending, private lending to perfect our country’s supervision system, and to the registration content as the basis for determining the facts of private lending.