民间借贷监测方法及监管体系研究

Private lending monitoring methods and regulatory system

自2010年以来,民间借贷凭借其在交易信息、交易成本、交易效率、贷款担保等方面的相对优势,出现大范围的本质转型,即由"借钱应急型"模式转变为"借钱放贷型",借贷主体由原先的个人化向机构化转变,逐步形成规模庞大的民间借贷。本文在推行民间借贷阳光化的背景下,对民间借贷监测方法及监管体系进行了研究。

Since 2010, the folk lending, with its in transaction information, transaction cost and transaction efficiency, loan guar- antees and other aspects of the comparative advantage, the essence of a broader transformation, namely by ＂borrowing YingJiXing＂ mode to ＂borrow money lending＂, borrowing main body instead of personalization to institutional transition, gradually formed the scale huge private lending. Based on the implementation of private lending under the background of sunlight, the folk credit monitoring methods and regulatory system.