民间借贷的制度缺失与法律规制

The Institutional Deficiency of Private Lending and its Regulation——Theoretical Model and Empirical Analysis

民间借贷作为正规金融的补充,对解决中小微企业的资金短缺起到了积极作用。由于立法滞后,法律依据不足,逐利、欺诈、违约、无序充斥着本不成熟的民间借贷市场,给金融稳定和经济安全带来了一系列负面效应,亟需法律规范和引导。当务之急是要构建法律体系,净化营业环境,完善准入标准,建立预警机制,尽快将民间借贷导入法制化轨道。

As a meaningful supplement to general financial institutions,private lending plays an important role to solve the problem of capital shortage in small and medium-sized enterprises.Because of legislative lag and deficiency in existing legal system,voracious,fraud,default,and disorder flooded the immature private lending market.This produces a negative effect on the financial stability and economic security of the country,which needs regulations and guidance.Now the most urgent thing is to lay down operating rules,purify business environment,perfect the requirements of market access,establish alarming mechanism,so as to lead the private lending in legal system as soon as possible.