回归民间借贷利率理性区间 推动小微企业良性发展

Back to civil borrowing rate's sensible yields,promoting small enterprise healthy development

小微企业对于我国经济发展有重要的推动作用,由于其内在和外在的原因,融资问题成为制约其发展的主要因素,本文通过民间借贷市场对小微企业供给及需求两个方面,针对融资过程中的"高利贷"问题进行深入分析,得出民间借贷利率的非市场化是造成这一困境的主要原因,并提出相关的政策性建议。

Small micro enterprise for China＇s economic development has an important role. Because of internal and external reasons, the financing problems has already become the main limiting factors. Based on the analyses of the supply-demand relationship between the private lending market and small micro enterprise, this article analyses the usury problems during the financing process. It is concluded that the private lending non-market interest rate is the main reasons of the limiting factors, and puts forward relevant policy and suggestions for the marking of the private lending market according to the conclusion.