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近年来,受经济形势和宏观调控政策的影响,我国正规金融体系资金供应持续趋紧,民间借贷活动日益频繁,在一定程度上有效缓解了资金要素约束,但由于缺乏规范和监管,民间借贷在实践中也不断暴露出一些问题,并成为新的金融风险点。基于此,有必要采取应对措施,保持金融经济平稳健康发展。一、民间借贷界定依照最高人民法院的司法解释,民间借贷是指人民之间,公民与法人之间,公民与其他组织之间的借贷。理论界对于民间借贷通常的概念是:民间借贷是
In recent years, under the influence of the economic situation and macroeconomic control policies, the supply of funds in the formal financial system in our country has been tightening continuously and the activities of non-governmental loans have been increasingly frequent. To a certain extent, this has effectively eased the funding constraints. However, due to the lack of regulation and regulation, In practice, some problems continue to be exposed and become new financial risk points. Based on this, it is necessary to take countermeasures to maintain a steady and healthy development of the financial economy. First, the definition of private lending According to the judicial interpretation of the Supreme People’s Court, private lending refers to between people, citizens and legal persons, citizens and other organizations between the lending. The common thread in theory for private lending is that private lending is