我国民间借贷监 管制度分析-analysis of chinas private lending supervision system.docxVIP

AbstractIn recent years, the scale of the informal lending continues to grow and its trading has become increasingly activly, so, the informal lending system has been a hot topic in the financial and legal fileds. The informly lending can play a positive role to our economic , also, negative effect is coexisting. For this reason , how to take charge of the inrormal lending effectivley and make it suit the development of the economic has been a question which need to solve urgently.In the first part of this article , the basic theory of informal lending is introduced. Specifically, I define the concept of the informal lending by analysis the legal concept, legal feature and other characteristic of it . Then , I analysis the generating reason of the informal lending and its current situation which can announces the objecticity of informal lending .In addition to this ,by means of the analysis of the positive role and the negative effcet of informal lending ,the necessity of informal lending is proposed . In the second part , I investigate the regulatory system of the other countries in order to analysis the syetem deficiency of our country. At last , on the basic of the study of the overseas infomal lending system , I propose the common point about these countries and pick up the imperction of our regulatory system .In the end , I propose some reasonable advises and legal suggestions which can perfect the inforeal lending system in our country.Choosing appropriate regulatry path and supervision modle is the core thoughts of informal lengding , so , to realize the legalization of informal lending is the necessary path .That is to say , the goverment should affirm the legal informal lengding and deny unlawful action when relevant laws are estabilished . As to the supervition modle , classification regulation and key regulatary regulation should be chosen ,which means that the standard of classification is the profitability, so , the commercial fairs should be supervised