Research On The Influencing Factors Of Judicial Efficiency In Private Lending Cases

In recent years,with the continuous development of market economy,more and more subjects have participated in the financial market.No matter natural persons,social groups or corporate legal persons have increasingly diversified demands for financial services,among which the financing demands are also increasing and the financing purposes are also diversified.However,no matter for individuals or enterprises,the financing products of formal finance are relatively single,and the borrowers have certain qualification requirements,the threshold is high,and it is difficult to meet the capital needs of individuals and small and medium-sized enterprises.As a result,all kinds of subjects relieve the financial pressure by means of private lending,making private lending activities increasingly active.At present,the folk lending in the financial markets in China have a high energy,on the one hand,private lending as useful and necessary supplement of formal financial,objectively the expanding financing channels of small and medium-sized enterprises,alleviate the rapid economic development and the bank credit funds and local financial institutions,such as the contradiction between the supply vacancy,played a positive role;On the other hand,due to the non-standard,profit-seeking,disordered and other characteristics of private lending and the lack of system,the default rate of private lending is usually high,and disputes occur from time to time.When the parties involved in the private lending dispute cannot solve the problem well,most of them will protect their rights and interests and solve the dispute through legal means.When disputes are not settled in a timely and fair manner,or the parties have difficulty in obtaining judicial resources,it is easy to cause other vicious events and have a very bad impact on the society.Therefore,in order to correctly deal with disputes over folk lending and prevent serious consequences,this paper starts from the perspective of judicial efficiency and takes the dispute case of folk lending as the entry point to explore the factors influencing the judicial efficiency of such cases.Considering the leading position and key role of judges in the trial process in China,after combining with domestic and foreign literatures,this paper selects the individual factors of judges as the main quantitative indicators affecting judicial efficiency.First,it makes theoretical hypotheses on each influencing factor and clarifies the selection criteria of judgmentcases.Then the data are used for empirical analysis,empirical results and analysis,and finally give reasonable policy recommendations.There are seven chapters in this paper.The first chapter is the introduction,which introduces the writing background,significance and general situation of the article.The second chapter is the literature review,which combines some viewpoints of domestic and foreign literature for reference and clarifies the writing direction.The third chapter is an overview of private lending,including the concept of private lending characteristics,development process and impact.Chapter four puts forward the theoretician theory of influencing factors of judicial efficiency to pave the way for the next empirical study.The fifth and sixth chapters are the empirical part,introducing the data variables and the empirical process.The last chapter gives policy Suggestions.