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近年来,央行多次加息和上调存款准备金率,使民营企业更加难以从正规金融机构获得贷款,只能进行民间融资,于是,民间借贷得到了巨大的发展。但是其不利影响也在日渐凸显出来,尤其是温州发生的民间借贷危机、“吴英案”以及轰动全国的内蒙古“万亩大造林”等案件的曝光,更加引起社会对民间借贷问题的高度关注。本文主要探析我国民间借贷的发展现状及特点,提出在当前的货币政策下,进一步规范引导民间借贷的对策。
In recent years, the central bank repeatedly raised interest rates and raise the deposit reserve ratio, making it more difficult for private enterprises to obtain loans from the formal financial institutions, only for private financing, so the private lending has been tremendous development. However, the unfavorable influences are also becoming increasingly prominent. In particular, the exposure of the private lending crisis in Wenzhou, the “Wu Ying Case” and the “Large-scale Afforestation in Inner Mongolia” The issue of high concern. This paper mainly analyzes the status quo and characteristics of the development of private lending in our country, and proposes to further standardize the countermeasures to guide private lending under the current monetary policy.