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随着市场经济的发展,民营经济在当地经济中的比重逐渐增加,民营经济的发展过程中也产生了不可忽视的问题。现如今,各种民间金融的“帮手”层出不穷,信用卡,现金,贷款,代办较大的信用卡,无抵押贷款等等民间借贷形式层出不穷,让人眼花缭乱,有真有假,更加多样化。在这样的背景下,通过考察中国落后的民间借贷法律制度,在对民间借贷现状和法律制度的落后有一个客观理性的认识基之后,试图提出提高中国的民间借贷策略的法律制度的对策。
With the development of market economy, the proportion of private economy in the local economy is gradually increasing, and the development of the private economy also has a problem that can not be ignored. Nowadays, there are endless types of private lending, such as credit cards, cash, loans, larger credit cards, unsecured loans, etc., making people dazzling, having truth, fake and diversification. Under this background, after examining China’s backward legal system of private lending, after trying to find an objective and rational understanding of the status quo of private lending and the backward legal system, this paper attempts to put forward the countermeasures to improve the legal system of China’s private lending strategy.