【摘 要】
：
民间借贷问题不仅关系到国家的金融秩序,而且与老百姓的生活息息相关。一方面,民间借贷对于经济发展起到了积极的促进作用,另一方面,由于民间借贷由于是自发产生的,缺乏约束
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民间借贷问题不仅关系到国家的金融秩序,而且与老百姓的生活息息相关。一方面,民间借贷对于经济发展起到了积极的促进作用,另一方面,由于民间借贷由于是自发产生的,缺乏约束和监督,滋生了极大的风险。如何在发挥民间借贷的积极作用同时预防和减少民间借贷的风险,值得我们深入探讨。一、近年来我国民间借贷迅速发展的原因(一)盈利思想的驱动步入市场经济以来,人民生活
The problem of private lending is not only related to the country’s financial order, but also closely linked with the lives of ordinary people. On the one hand, private lending has played a positive role in promoting economic development. On the other hand, due to the spontaneous generation of non-government loans, the lack of discipline and supervision has created tremendous risks. How to play a positive role in private lending while preventing and reducing the risk of private lending deserves our in-depth discussion. First, in recent years, the rapid development of China’s private lending reasons (a) profit-driven idea into the market economy, the people’s lives
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