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自改革开放以来,由于个体和私营经济的快速发展以及社会主义市场经济体制的逐步完善,各种贷款投资也得到了快速的发展。这主要是由于从金融机构贷款的过程比较复杂而且难度较大,这就使得借款人开始寻求更方便快速的的私人资金贷款。然而,民间借贷具有高利率,它已经成为高利贷的一种形式,由于相关法律的缺失以及没有规范的约束机制,民间借贷本身也是自发的行为,近年来由于其快速发展也导致了众多的法律纠纷。在本文中,主要对民间借贷存在的问题进行分析,进行对民间借贷导致纠纷的原因进行分析并且提出了相应的建议和对策。
Since the reform and opening up, due to the rapid development of the individual and private economy and the gradual improvement of the socialist market economic system, various loans and investments have also been rapidly developed. This is mainly due to the more complex and difficult process of lending from financial institutions, which has led borrowers to start seeking more convenient and quick private money loans. However, due to its high interest rate, private lending has become a form of usury. Due to the lack of relevant laws and the lack of a normative restraining mechanism, private lending is also spontaneous. In recent years, due to its rapid development, numerous legal disputes have arisen . In this paper, the main problems of private lending analysis of the reasons for non-government loans led to the analysis of disputes and put forward the corresponding suggestions and countermeasures.