The Late Qing Dynasty To The Republic Of Private Lending Interest Rates To Explore Legal Regulation Perspective

Ancient Chinese official and civil state in order to limit borrowing to be regulated by profiteering and maintain normal social and economic order, protect normal lending relationship, issued the corresponding provisions of the statutes. Qing dynasty, regime change, in order to meet the needs of social development, state law also adopted a series of new measures to regulate the private lending interest rates. This paper describes the lending rates at the beginning of each regime under statute, in order to highlight the importance of standardized rates; secondly, from the real natural state civil comparative analysis concluded that diversity and high interest rates affect the interest rate factor of high incidence; again, focuses on forms of usury and its causes, and accordingly introduce active role of the state statutes restricting its supervision; and finally, through a comparative analysis of binary status of folk customs and statutory interest rate was found to the fundamental reason is lack of law and order, social polarization financial resources. Accordingly, this paper believes that the fundamental way to curb popular usury laws can only be a sound financial system and balance public resources.