Research On Legal Issues In The Relationship Between Private Lending

Private lending in China has a long history,with the continuous development of market economy,private economy rapid rise,private enterprises and individual demand for money is also constantly increased,and the formal financial institutions of higher financing barriers may make it harder for private enterprises in a short period of time to obtain loans,this way to promote the development of private lending.However,in the process of development due to the imperfect laws and regulations,make the folk lending has been in a legal "gray area",borrowing frequent disputes,increasing risks,research on legal issues in the folk lending relationship is imminent.How to further perfect the folk loan relationships for the existing problems of the legal issues,perfect the supervision system,make private lending in the financial markets complement,stable financial order has become a problem needed to resolve.This paper is divided into seven parts,and the first part and the second part are the summary of private lending.Through the definition of private lending,the developed countries and our country contrastive analysis of the current situation of the development of private lending,private lending is because of the high financial monopoly and financing barriers,but it can also cause problems such as the disorder of financial order and the frequent occurrence of borrowing disputes.The third part is about the relevant laws and regulations of private lending in China.To the "general principles of the civil law","criminal law","administrative regulations" and a series of judicial interpretations define the legal orientation of private lending,and to study and put forward the present situation of our country folk lending supervision to the folk lending supervision system,and further clarify the conclusion of relevant details.Writing the last four parts lending legal governance of content analysis,characteristics and latest issue in the development of private lending,and informal lending disputes exist in the legal issues,through the study on the three aspects of understanding with the continuous development of market economy,the folk loan relationships that exist in the highlight what are the legal issues,and aiming at these problems put forward the related legal problems in the sixth part of the folk lending relationship perfect recommendations.