浅析民间金融借贷风险成因及风控措施——以福建省南安市为例

An Analysis of the Causes and Risk Control Measures of PrivateFinancial Lending Risks——A Case Study of Nan'an City,Fujian Province

民间金融借贷是我国正规金融市场的重要补充,关系着民营企业特别是中小微企业的发展。但是,因民间金融借贷的局限性和信用不足,导致了诸多问题和风险。民间金额借贷的风险控制问题,关系着企业的发展和社会的和谐稳定。近年来,南安市民间金融借贷所存在的问题及成因,说明以政府为主体,从社会信用体系的建设、企业及个人的金融意识、融资渠道的拓宽、民间金融的准入、政府对民间金融的监管及法律法规的完善落实等方面进行风险控制,能够改善金融服务市场环境(包括正规金融以及民间金融),引导更多社会资本流向中小微企业,促进企业产业升级,保障市场经济的发展。

Private financial lending is an important supplement to China's formal financial market and is related to the development of private enterprises,especially small,medium and micro enterprises.However,due to its own limitations and shortcomings,private financial lending has many problems and risks.The issue of private lending risk control is related to the development of enterprises,the harmony and stability of society.The article analyzes the economic development of Nan'an in recent years and the problems and causes of non-governmental financial lending from the analysis of the economic regulation of Nan'an in recent years.The main focus is on the government and the construction of the social credit system.Considering the financial awareness of enterprises and individuals,broadening of financing channels,access to private finance,government regulation of private finance and the perfect implementation of laws and regulations risk control mechanismshave been proposed to improve the market environment of financial services(including formal finance and private finance),guide more social capital to move to the small,medium and micro enterprises,promote industrial upgrading of enterprises,and ensure the development of a market economy.