民间借贷市场法律规制建设再思考

Rethinking of Legal Regulation of Private Lending Market

民间借贷在我国经济发展中起了不容忽视的作用,它有效缓解了中小微企业和私营企业融资难的问题,打破了我国正规金融体系的垄断地位。但在其发展过程中却存在很多问题,针对问题提出了相关法律规制设想,以期能更好的明确民间借贷市场的法律地位,保护民间借贷债权人的合法权益,加强对民间借贷市场的规范和引导。

In China＇s economic development, private lending plays an assignable role, which alleviates the problem of financing of small and micro enterprises and private enterprises effectively, and breaking the monopoly of China＇s formal financial system. But there arc many problems in its development process. This thesis puts forward the relevant legal regulation for the problem, in order to clear the legal status of private lending market better, protect the legitimate rights and interests of private lending creditors, and strengthen the norms and guidance of private lending market.