民间借贷法律规制的完善

Improrement of legal Regulation of Private Lending

民间借贷在当前具有存在的必然性,不能简单地禁止或消灭。不是所有的民间借贷都需要严格规制,只有那些专业化、规模化、可能对社会稳定造成不利影响的借贷行为才需要法律严格规制。对民间借贷的规制,应当以便利民营企业、小微企业、社会公众获得资金为目的,同时注重资金借贷的风险防范,通过构建务实、管用、有效的管理制度,更好地发挥民间借贷的作用。

Private lending has the inevitability of existence in the simply. causing Not all adverse private loans require strict regulation;only those current, and can not be eliminated or prohibited lending practices with specialization and scale, effect on social stability, should be strictly regulated by laws. The regulation of private lending should be aimed at obtaining funds for private enterprise, small and micro enterprises, and the public, focus on risk prevention of loan capital, and better play the role of private lending through building a pragmatic, useful, and effective management system.