Research On The Legal Regulation Of Private Lending

With the continuous development of society,the demand for funds by enterprises and individuals is increasing day by day,and private lending activities organized by individuals have begun to flourish.Private lending refers to a kind of capital lending behavior formed in the social development,which is independent of the financial activities of formal financial institutions.One of the advantages of private lending is that it can meet the short-term capital needs of borrowers.It is precisely because of the flexibility,simplicity and speed of private lending that companies and individuals can quickly obtain financial support when they are in urgent need of funds.Private lending is essentially a simple financing activity,and it still occupies an important position in the financial market today,effectively alleviating the financial pressure of borrowers,improving the liquidity of idle funds in the market,and helping lenders to seek new investment channels,the borrower also obtained working capital and improved production efficiency.Due to the important position of private lending and the variability of its own existence,it has received widespread attention and research from people from all walks of life.However,due to the lack of understanding of private lending and the lag of related supporting management,as well as the spontaneous,blind and disorderly nature of private lending,many legal risks have arisen.Private lending also faces many development problems,which seriously affect the financial The formalized development of the market hinders social and economic progress,and social stability is also affected.These issues have attracted wide attention from various parties,and many consensuses have been formed on how to strengthen the standardized management of private lending,such as improving the laws and regulations of private lending,implementing differentiated management,and regulating legal definitions,so as to provide healthy guidance and effective supervision.How can my country’s private lending better realize regulatory management and embark on the track of standardized management? This paper mainly uses the comparative analysis method,case analysis method and other formal methods to analyze the specific mode of our country’s current private lending,and analyzes it.Combined with the specific situation of laws and regulations,compare it with the regulatory measures of foreign private lending,and draw lessons from it,and put forward corresponding improvements to the legal regulation of private lending from three aspects: legislative supervision mechanism,legal regulation recognition standards and judicial system.measure.