Judicial Rules of Private Lending Interest Rates 

Liping Hoo 

Ph.D. Candidate of China University of Political Science and Law, Beijing 100088, China 

Abstract: The interest rate is the core issue that regulates the private financing. The regulation of interest rate is protection, also is the limitation. It is a ruler to measure the market position. Recently, Supreme People's Court issues the judicial interpretation related to private lending. the interpretation clearly defines the boundaries of the judicial protection of private lending interest rates. Whether the introduction of the interpretation can standard the current private financing market? The author believes that it has the short-term performance, but the fundamental regulation and governance to the private financing market should be incorporated into the financial market overall planning of state. Open, fair are the basic principles to improve the market competitiveness, the equal protection to the market participants is their basic rights and integrity is the cornerstone of the market. In the process of economic transition, the market players need the equal of market participant opportunities. In the current financial international economic environment, through the system excitation of legal innovation, giving it equal competitive opportunity with formal financial institutions, to guide the optimal allocation of the financial resources. 

Keywords: Private Lending; Interest Rates; Autonomy; Interest Balance; Judicial Rules