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民间借贷由公民间的民事行为发展到公民与企业间、企业与企业间的商行为后,中小企业及商户融资速度更快,途径更多,同时也滋生了诸多问题。如投资担保公司进入民间借贷市场缺乏足额保证金,相关民间融资机构的理财利息超出国家规定,大量民间融资机构缺乏专业管理引发风险导致的社会公众闲散理财资金的损失及市场动荡。只有加强民间借贷市场上的债权保护才能建立社会信用体系,使民间融资市场更加健康畅通。
After private borrowing develops from civil behavior among citizens to businesses between citizens and enterprises and between enterprises and enterprises, financing for SMEs and merchants is faster and has more ways and also breeds many problems. Such as investment guarantee companies to enter the private lending market, the lack of full deposit, interest-related financing of private financing institutions in excess of state regulations, a large number of private financing agencies lack of professional management lead to risk-causing social public idleness financial losses and market turmoil. Only by strengthening the credit protection in the private lending market can we establish a social credit system and make the private financing market more healthy and smooth.