More than 36% of the first district is not protected by law;
In the second district, more than 24% to 36% of natural debts are analogized. If you give it, you can't claim to return it. If you don't give it, you can't claim it.
Less than 24% of the third district belongs to legal interests and should be protected.
1. usury refers to private loans that require extremely high interest rates. It is generally believed that as long as the loan interest rate exceeds or in disguised form exceeds 4 times the bank loan interest rate in the same period, it constitutes usury. Usury itself is not a crime, but it is not protected by law. According to the provisions in the Notice of the People's Bank of China on Banning Underground Banks and Combating usury, the interest rate of private personal loans shall be determined by both borrowers and borrowers through consultation, but the interest rate determined through consultation between the two parties shall not exceed 4 times (excluding floating) the loan interest rate of financial institutions of the same grade at the same period announced by the People's Bank of China. Those who exceed the above standards should be defined as high-interest loans. In usury activities, if high-interest lending reaches a certain amount, it constitutes the crime of illegally absorbing public deposits; For the purpose of lending, taking credit funds from financial institutions and lending them to others at a high interest rate, the illegal amount is large, which constitutes the crime of lending at a high interest rate; For the purpose of illegal possession, illegal fund-raising by fraudulent means, with a large amount, constitutes the crime of fund-raising fraud; Usury can easily lead to criminal offences such as illegal detention, kidnapping, injury and fraud; Non-governmental intermediaries and individuals lend at high interest rate with their own funds, which belongs to non-governmental lending behavior. If there is a loan dispute, it belongs to the category of civil adjustment.
Second, usury came into being at the end of primitive society. In slave society and feudal society, it is the basic form of credit. In the past, money mainly circulated in the market. Whether it's a meat stall or a food stall in the market, if you lose money in gambling or your turnover is not working, you can borrow money from the "big ear hole". As the saying goes, "Monks can't escape from the temple". Debtors have stalls in the market and do business every day. They are not afraid to walk the number or take care of it. In the past, when dealing with money and silver, most of the large silver codes used "big heads" (silver dollars) and the small ones used "copper coins" (copper coins). After collecting money, loan sharks mostly put silver dollars and copper coins into their ears, making them rich. Over time, their ears have also expanded, so they are called "big ears".
Third, inflation continues to rise, banks tighten monetary policy, and SMEs are hungry for funds. 20 1 1 the ecology of China's financial industry is undergoing profound changes-more and more funds "jump out" of the bank's balance sheet and enter the real economy through various channels, and "shadow banking" has gradually surfaced. "Shadow banking" is a system, which refers to lending platforms such as entrusted loans, trusts, micro-loans and even pawn shops, as well as "gray" private lending and even usury. The "shadow bank" grows wildly, one is tenacious, and the people have great demand for it, cultivating soil for its development; Secondly, its "invisible" part poses a strong challenge to existing rules and regulations. The statistical report on the scale of social financing from 201/kloc-0 to June released by the central bank in official website shows that the scale of social financing increased by 7.76 trillion yuan, of which RMB loans increased by 4. 17 trillion yuan, accounting for 53.7%; 20 10, accounting for 55.6%. Historical data show that in 2002, new RMB loans accounted for 92% of the total social financing, accounting for an absolute dominant position. What does this nearly 40% share gap mean in less than 10 years? Earlier, it was reported that the amount of "shadow banking" loans in China mainland may have accounted for "half of the total social financing".