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民间借贷,是指公民之间、公民与法人之间、公民与其它组织之间借贷。是处在国家宏观调控和金融监管之外的一种借贷融资方式。民间借贷由来已久并在社会经济发展中处于重要地位,对我国中小企业提供了主要资金支持。但民间信贷的飞速发展也随之产生了一系列问题,本文就民间信贷产生的原因和民间借贷危机的相应对策进行深入探讨和分析。民间信贷在我国已有3000年的历史,钱庄、当铺以及私人借贷一直都在经济发展中发挥着不容忽视的作用。与正规借贷相比,民间的中小企业贷款活动却异常活跃。尽管国家对诸如私人钱庄、农村合作基金等民间的非法的灰色金融机构进行清理整顿,但这些非法金融机构却顽固地生存着。制度的不完善也使得民间信贷出现种种问题,集资诈骗、非法信贷比比皆是。
Private lending refers to borrowing between citizens, citizens and legal persons, citizens and other organizations. It is a form of loan financing that is outside the national macro-control and financial supervision. Private lending has a long history and plays an important role in the social and economic development and provides the major financial support to the small and medium-sized enterprises in our country. However, the rapid development of private credit has also led to a series of problems. In this paper, the causes of private credit and the corresponding countermeasures of private lending crisis are discussed and analyzed in depth. Private credit has a history of 3,000 years in our country. Banks, pawnshops and private lending have always played an important role in economic development. Compared with the formal lending, private SME lending activities are exceptionally active. Although the state has cleaned up and rectified illegal and illegitimate gray financial institutions such as private banks and rural cooperative funds, these illegal financial institutions have stubbornly survived. The imperfections of the system also caused various problems in the private credit market, fund-raising and fraud, and illegal credit abounded.