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随着中国经济的高速发展,中小企业融资难的问题越来越受到国家和社会的关注。中国的中小企业在正规融资渠道融资长期受到阻碍,由于自身生存和发展的需要,迫切需要资金支持,而民间存在丰富的游资又找不到好的投资渠道,这样的资金供求关系催生了民间借贷,并使之迅速发展。本文主要研究民间借贷客观存在的原因、借贷中存在的风险,以及降低风险的一些建议。
With the rapid development of China’s economy, the financing difficulties of small and medium-sized enterprises have drawn more and more attention from the state and the society. China’s SMEs have been hindered in their formal financing channels for a long time, due to their own needs for survival and development, there is an urgent need for financial support. However, there are abundant hot money in the private sector and no good investment channels. This kind of funding has created a gap between private lending , And make it develop rapidly. This paper mainly studies the reasons for the objective existence of private lending, the risks existing in lending, and some suggestions to reduce the risk.