我国民间借贷的风险防范研究

The Risk Prevention on Folk Lending in China

我国民间借贷所存在的融资优势是:市场定位适当;效率高、期限短;信息渠道畅通,准入条件较低;对中小企业发展有推动作用。近年来民间借贷发展很快,出现了一系列问题,其中一些问题的出现直接扰乱了金融秩序,尤其以企业为主导进行的民间借贷活动最为明显。存在的风险是:资金大规模流向房地产行业,潜在威胁大;大规模融资易导致非法集资;高利率可能导致中小企业偿债困难。防范民间借贷风险的对策建议是:将民间借贷纳入统一的监管体系;探讨分类法律监管模式,规范中小企业民间融资;加强公众教育,抵制非法集资;建立健全民间借贷风险监督预警机制;引导民间资本选择正确的投资方向,规避投资风险。保护好民间资金市场,积极合理的引导,可以使大规模的民间借贷资金能够为我国实体经济的发展做出贡献。

The advantage of financing via folk lending is its proper market position, high efficiency,short term, smooth information channel and low condition for access and it can have a function of promoting the development of small and mid-size enterprises. In recent years, the folk lending has been developing rapidly in China. However, some problems occur and some of them have directly disturbed the financial order, which is particularly obvious between enterprises. The risks are large-scale capital flows into real estate industry, a big potential threat; large scale funding can easily result in raising funds illegally; higher interest rates could lead to debt repayment difficulty of small and medium-sized enterprises.Countermeasures for preventing the risks of private lending are to unify the private lending in a regulatory system; discuss classification of legal regulation model, standardize the small and medium-sized enterprise folk financing, strengthen the public education, resist the illegal fund-raising, establish and improve the early warning mechanism for private lending risk, guide the folk capital to choose the right investment direction,and avoid investment risk. Protecting the folk capital market and giving it positive and reasonable guide can make massive folk money contribute to the development of the real economy in China.