The Reflection On The Adjustment Of The Value Orientation Of Private Borrowing Rate

Private lending is an important supplement to the formal borrowing of the banking system,which plays an important role in the financing of small and medium-sized enterprises.At present,China’s private lending market has entered the advanced stage,and the supply and demand of funds are both flourishing.But due to the lack of effective regulation has been our country folk lending in the dissimilation phenomenon appeared in the process of development,various social contradictions,disrupting the financial system,actively explore the regulation of private loans is needed.Private lending development history shows that only on private lending interest rate regulation,each region according to the different economic development status of folk lending interest rates highest restrictions to prevent and curb the folk financial order confusion and alienation.This article mainly around the folk lending to adjust the core elements of civil law,namely,the essay discusses the adjustment of folk lending interest rates,mainly includes the following four parts: first,discusses the basic theories of private lending.To understand the value orientation of civil law to adjust the folk lending legal relationship,need to be on the basic concept of folk lending,and informal lending the necessary understanding,the author will discuss the connotation and denotation of the concept of private lending,classification and function of the private lending,and overview of folk lending interest rates,the essay discusses several aspects,such as.Secondly,the paper discusses the realistic demand and development status of China’s private lending rate regulation.Folk lending interest rate regulation is the core of the folk lending legislative work,how to correct understanding of private lending interest rate cap regulation in our country at present three areas,"" two line standard was introduced and its reason,is the need for detail.Thirdly,the paper discusses the problems of the interest rate regulation of private lending.Enacted in2015,the supreme people’s court on some issues of applicable law in private lending cases regulations on private lending in China made a lot of new regulations,sincethe new law and implemented several focus problems this paper has carried on the thorough research.Finally,the Suggestions to improve the interest rate regulation of China’s private lending.Section of this chapter is mainly combined with the last chapter puts forward several problems,to perfect our country folk lending interest rate regulation puts forward some Suggestions,so as to the future of the legislative work and academic theory provides a new train of thought.