我国民间借贷的发展现状与规范化研究

The Development and the Standardization of China's Private Lending

当前民间借贷跑路潮的爆发引起了社会各界的广泛关注。文章通过对我国民间借贷发展的时空演变及民间借贷问题的原因分析,研究发现:无序的民间借贷不利于社会安定;借贷去向脱离实体经济导致产业空心化;民间借贷高利率加重企业财务负担;民间借贷风险逐步向银行渗透。针对这些问题提出了促进我国民间借贷规范化发展的对策建议。

The outbreak of the private lending Bankruptcy escape caused the extensive concern of the society from all walks of life. This paper based on the China＇s private lending＇s development history and the problems cause analysis ,the study found that： （1）The disorder of private lending is not conducive to social stability; （2）Borrowing breaks away from the real economy results in industrial hollowing out; （3）The private lending interest rates increase the enterprise＇s financial burden; （4）The private lending risk gradually penetrate to the bank. According to the series of questions, the paper puts forward some countermeasures and suggestions to promote the development of our cotmtry private lending standardization.