民间借贷规范发展路径辨析

On the Regulation and Development of Private Lending

近年来我国民间借贷规模不断膨胀,尤其是在信贷投放趋向紧缩的大背景下,颇有愈演愈烈之势。民间借贷具有双重性,在促进经济发展的同时,对社会稳定、经济运行也有一定的破坏性。我国现行重约束轻引导的民间借贷管理机制弊端明显,应当通过完善相关法律规范,引导金融机构支持配合,促进民间借贷机构健康发展等综合措施扬长避短,引导和促进民间借贷规范发展。

In recent years private lending is becoming increasingly fierce in China especially after the credit squeeze. As the private lending has duality in nature, it can not only promote the economic development, but intensify the social instability and prove an obstacle in advancement. With obvious malpractice, the current governance mechanism is not perfect, so the relevant laws and more efficient regulations should be carried on for the purpose of establishing a monitoring system for private lending activities and bring it into the sunlight operation with support and collaboration of the financial institutions.