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民间借贷是金融借贷以外的社会上自发形成的融资方式,由于历史发展悠久,社会信任度强,操作简便快捷,因此易于被公众接受。目前随着经济维稳态势的持续,企业融资难问题逐渐凸显,民间借贷的优势进一步突出,民间借贷纠纷也大量涌现,伴随着多种多样的民贷形式,尤其是掩盖在民间借贷之下的非法集资问题日益猖獗,以及私人担保公司的破产所引发的借贷纠纷层出不穷,严重损害了公众财产权益,扰乱了国家金融体系的政策制定和正常运行。因此急需将新出台的司法解释贯彻执行,从规范个人借贷行为,到加强企业诚信意识,司法机关加大审查力度等多个方面努力,致力于使民间借贷规范、合理、高效地发挥它应有的作用。
Private lending is a spontaneous financing method in society outside of financial lending. Due to its long history, strong social trust, simple and quick operation, it is easy to be accepted by the public. At present, with the steady economic stability, corporate financing becomes more and more prominent. The advantage of private lending is further highlighted. Private lending disputes have also emerged in large numbers. Along with various forms of private lending, especially those covered by private lending Increasingly rampant fund-raising issues and the proliferation of borrowing disputes triggered by the bankruptcy of privately-backed companies have seriously damaged public property rights and interests and disrupted policy formulation and normal operation of the national financial system. Therefore, it is urgent to implement the newly introduced judicial interpretation from the standardization of personal loans and loans to strengthening the awareness of corporate honesty and judiciary to increase the intensity of censorship and other efforts to make non-government loans standardized, reasonable and efficient to play its due Role.