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近年来,随着我国利率政策调整,在银根紧缩的市场环境下,我国中小企业面临融资困境,民间借贷市场空前活跃。民间借贷的发展部分解决了正规金融资金供给与社会资金需求之间的矛盾。但也导致了各种问题产生,债务纠纷不断,缺乏相关法律约束和规范。本文主要分析我国民间借贷发展现状,分析民间借贷发展过程中产生的问题,并提出使其规范发展的政策建议。
In recent years, with the adjustment of China’s interest rate policy, in the tight monetary environment, SMEs in our country are faced with financing difficulties, and the private lending market is unprecedentedly active. The development of private lending partly solved the contradiction between the supply of formal financial funds and the demand for social funds. But also led to a variety of problems, debt disputes continue, the lack of relevant legal constraints and norms. This article mainly analyzes the status quo of China’s private lending development, analyzes the problems arising in the development of private lending, and puts forward the policy suggestions to make it regulate the development.