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在国家宏观经济调控作用下,银行的限制性贷款措施使一些产品出于禁止和限制类的中小企业获得贷款的难度进一步增大,从而导致中小企业尤其是私营企业因生产周转不得不向民间借贷融资。随着民间借贷规模的不断扩大, 以引发不少的经济纠纷,增加了社会的不安定因素,正受到社会各界的广泛关注,尤其要引进金融部门的重视,规范民间借贷以成为当务之急。
Under the effect of national macroeconomic regulation and control, the bank’s restrictive lending measures have made it more and more difficult for SMEs to obtain loans for some types of banned and restricted SMEs, which has led SMEs, especially private-owned ones, to borrow from private lending Financing. With the ever-expanding scale of private lending to trigger a lot of economic disputes and increase the social instability, it is receiving wide attention from all sectors of society. In particular, it is imperative to introduce the importance attached by the financial sector and regulate informal lending.