民间借贷规范发展路径思辨分析

Theoretical Analysis on the Standardized Development Route of Private Lending

民间借贷作为一种资源丰富、操作便捷的融资手段,有助于缓解银行信贷资金不足的矛盾,促进经济发展。近年来,我国民间借贷规模快速膨胀,其随意性、风险性容易造成诸多社会问题。对此,应通过完善法律制度、金融机构配合和规范发展多元化的新型金融机构加以解决。

AS a resource-rich and easy-to-operate financing means, private lending is conducive to alleviate the shortage of banks＇ credit and promoting economic development. In recent years, the scale of China＇ s private lending expands rapidly, the randomness and riskiness of which are likely to cause many social problems. These problems can be solved through perfecting the legal system, strengthening the coordination between financial institutions and stan- dardizing the development of diversified new financial institutions.