Research On The Legal Regulation Of Private Lending Rates

Private lending is an important economic activity in ancient China.So far,private lending has been active in the economic stage and injected vitality into the economic development.Due to the convenience and efficiency of private lending,it has become an important choice for many small and medium-size enterprise.However,from the current of our country folk lending the reality,there are many inevitable problems,such as lending rate is too high,lead to social contradictions,there is no special law on private lending regulation,etc.The interest rate of private borrowing has been a pain point affecting the development of private lending.Existing laws and regulations cannot meet the current development needs of private lending.Based on folk lending rate is too high,"one size fits all" regulation model lack of flexibility,no special laws to limit problems were analyzed,and the other country to the folk lending interest rate regulation experience,put forward the solution to solve the problem of private lending interest rate regulation.From the improvement of the specific system,the construction of the supporting system and the improvement of the related system,the regulation of the interest rate of private lending in China is provided with a governance idea.