浅议我国民间借贷的法律规制

On the Legal Regulation of China's Informal Lending

民间借贷作为我国正规金融借贷的一种必要补充,有其存在的合理性。由于缺乏相应的法律规范、有效的外部监管和完善的社会信用体系,民间借贷市场还存在诸多风险和不规范之处。必须通过完善立法、加强监管、强化社会信用体系建设等使其规范化、健康化发展。

As a necessary supplement of formal finance lending in China, informal lending has the rationality of its existence. Due to the lack of corresponding legal norms, effective external supervision and perfect social credit system, there are still many risks and irregularities in China＇ s informal lending market. We should promote its healthy and standard development by perfecting the legislation, strengthening supervision and the construction of so- cial credit system.