The development of private lending in China developed areas is complex and antecedent. In the process of development appeared many structural innovations to evade the legal system of supervision. Research on regulations of private lending in the developed areas can generalize desirable experiences from typical objects, which can extract universal rules to cover shortages of system and regulation, ensuring the stability and development of society as well. Financing private lending is the new normal conditions of modern private lending and should become the focus of regulation. To regulate in this field, we should adhere to the commercial legislation thinking and the concept of business freedom and procedural regulation. Focus on the key classification regulation, such as information disclosure, registration system, interest rate and loan guarantees, is a must.