识别企业是否涉及民间借贷行为存在诸多困难,需从观察企业主经营行为、与客户沟通、开展外围调查、分析企业财务报表、现金流向、融资情况等方面入手甄别,并采取强化贷前调查、贷款审查、授后管理、改进监测技术和完善内控体系等措施加以防范。 There are many difficulties in identifying whether a company is involved in private lending. It is necessary to start with observing the business activities of the business owners, communicating with customers, conducting peripheral surveys, analyzing the financial statements, cash flow and financing conditions of the enterprises, Review, post-grant management, improve monitoring techniques and improve the internal control system and other measures to prevent.