民间借贷中介机构惜贷背后的原因分析及相关建议

Reason Analysis and Suggestions behind the Private Lending Agency Credit Crunch

民间借贷中介机构是一种非正规的金融中介机构,是对正规金融机构的有效补充,一方面满足中小企业和个人的小额信贷需求,另一方面为社会的闲散资金拓宽了投资渠道,在"喊渴"的资金需求者和找不到出路的民间资本之间建立起有效的桥梁。同时,民间借贷中介机构的出现使游离于法律边缘的民间借贷活动有了相对规范的依据和标准,对借贷双方的权利和义务提供了一定的保障,一定程度上使民间融资合法化。但是近期,民间借贷中介机构经营中主动收缩业务量,惜贷情绪明显,建议从中介机构和小微企业两方面着手,引导其更好发挥民间借贷市场的作用。

Private lending agency is a kind of non formal financial intermediaries,is an effective complement to the formal financial institutions and individuals,small and medium enterprises to meet the demand of microfinance on the one hand,on the other hand,broaden the investment channels for social idle funds,＂shouted thirsty capital demand and can not find between the way out of private capital to establish an effective bridge. At the same time,private lending activity in the private lending agency free on the edge of the law has been relatively normative basis and standards,provides the guarantee of the rights and obligations of both lending,to a certain extent,the legalization of private financing. But recently,active contraction of traffic management of private lending agency,credit crunch mood,suggestions from two aspects of intermediary institutions and Small and micro businesses,guide the private lending market for better service.