The Standardlization Research Of Private Lending

Private lending has a long history of development in our country, the earliest records can be traced back to the Shang and Zhou dynasties. As an important way of capita financing,private lending plays an irreplaceable role in various historical periods.Today, private lending is still positive in optimizing the allocation of financial resources, enhancing the ability of economical operation, as well as flourishing the multiple credit market. However, in the lack of further understanding of private lending in the market economy and the national socia life,our research of its law begins a little late. So, the weekness of legal and the blank of regulation lead to the standardized development’s lagging behind the requirement of economic and social development,as well as many social problems and negative consequences, especially the disruption to financial order in our country caused by the disordered private lending. Therefore, this article contains three parts, the first part, clarifies features and classification of private lending,based on the summary of its basic theory and application of law; the second part analysis the advantages and disadvantages of private lending to the economic development of our country,the situations and the problems, pointing out the phenomenon and problems caused by the legislation defects and usurious loan in private lending. And the last part presents the strategies of law and politics on criminal and civil legislation, as well as the foundation of The reverse operation mechanism, to guide the standardlized development of private lending.