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由于美国金融危机的爆发,从而引起全球金融市场的巨大连锁反应,导致我国民间借贷也是危机频现。本文以非正规金融活动的民间借贷作为研究对象,从民间借贷的非正规金融活动中分析所形成的原因、现状以及特点等方面,找出在社会主义市场经济的浪潮下,非正规民间借贷所产生的社会效应及其各方面的影响。并针对民间借贷在发展过程中所遇到的积极因素和消极因素进行阐述,提出使民间借贷良性发展的建议和意见。
Due to the outbreak of the financial crisis in the United States, which caused a huge chain reaction in global financial markets, the non-government loans in our country are also frequent crises. In this paper, the informal lending of non-formal financial activities as the research object, from informal lending non-formal financial activities analysis of the formation of the reasons for the status quo and characteristics, to find out the tide of socialist market economy, informal informal lending The social effects produced and its various aspects. In the light of the positive and negative factors encountered in the process of the development of private lending, the paper puts forward some suggestions and suggestions on the healthy development of private lending.