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民间借贷是社会生活中的一种必然现象,作为一种非正式的制度安排,他可以通过一定方式将社会闲散资金聚集起来,用于解决人们临时性的生活急需或生产经营需要,弥补了我国正规金融机构对民营经济的融资不足。随着我国金融体制改革的不断深入和金融服务体系的不断完善,民间借贷没有被根除,反而有越演愈烈之势,其对我国金融体系产生了重要影响,怎样对其进行监管也引起了学者及政府的高度重视,本文通过梳理民间借贷的相关文献,从农村民间借贷监管的必要性出发,分析当前现状和存在的问题,以期能够提出一些方法和措施,为我国民间金融制度建设提供帮助。
As an inevitable phenomenon in social life, as an informal institutional arrangement, private lending can gather idle social resources in a certain way to solve the urgent need of people’s livelihood or production and operation, and make up for our country’s Formal financial institutions lack of financing for the private economy. With the continuous deepening of China’s financial system reform and the continuous improvement of the financial service system, private lending has not been eradicated. On the contrary, it has become increasingly fierce. It has had a significant impact on China’s financial system. Scholars and the government attach great importance to this issue. By combing the relevant literature on private lending, this paper analyzes the current status quo and existing problems from the necessity of supervision of private lending in rural areas, in order to put forward some methods and measures to help China’s private financial system construction .