Although there is a labor contract relationship or other relationship between the individual and the company, and the company is not a qualified financial institution, both parties are independent civil legal subjects. At present, the law allows financial intermediation among natural persons, legal persons and unincorporated organizations, so it is in line with the current legal provisions.
Article 143 of the Civil Code of People's Republic of China (PRC)? A civil juristic act that meets the following conditions is valid:
(1) The actor has corresponding capacity for civil conduct;
(2) the meaning is true;
(three) does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs.
Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 1 The term "private lending" as mentioned in these Provisions refers to the financing behavior between natural persons, legal persons and unincorporated organizations.
These provisions shall not apply to financial institutions and their branches engaged in loan business established with the approval of the financial supervision department, as well as disputes arising from loans and other related financial businesses.
As can be seen from the above provisions, the lending behavior between individuals and companies does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs. If the true meaning of both parties is expressed, it is in line with the law.