关于民间高利贷问题的思考

Some thoughts about folk usury

相比银行信贷,民间借贷具有操作简便、高效快捷和高度契合中小企业短期融资需求的优势。然而非法的民间借贷,不仅破坏了金融秩序,更有易引发犯罪等众多问题。笔者在此基础上论述了对民间借贷市场法律规制的思考。

Compared with the bank credit, the simple but high-effected folk lending can easily satisfy the small and medium-sized enterprises shortterm financing demand. However, Illegal private lending not only destroy the financial order, but also more easy to cause many problems such as crime. The author makes some discussions on this question.