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随着经济体制的改革和市场化的推进,民间借贷在活跃市场经济中发挥着越来越重要的作用,成为正规金融机构借贷的一种补充,但因其相关法律制度尚未完善,也引发了诸多社会和法律问题。2012年温家宝总理指出:“民间借贷是正规金融的补充,具有一定的积极作用。要加强对民间借贷的引导,同时要严厉打击高利贷、地下钱庄等非法金融活动。”本文从民间借贷的现状入手,分别阐述民间借贷的特点、现状、存在问题及解决措施,引导民间借贷合法化、合规化,使民间借贷真正成为促进经济进步的新活力。
With the reform of the economic system and marketization, the non-government loan plays an increasingly important role in an active market economy and becomes a supplement to the lending of the formal financial institutions. However, due to the imperfect legal system, it also leads to Many social and legal issues. Premier Wen Jiabao pointed out in 2012: “Private lending is a supplement to formal finance and has a certain positive effect. We must step up guidance for private lending while strictly cracking down on illegal financial activities such as usurious loans and underground banking.” " Beginning with the status quo, the paper elaborates on the characteristics, status quo, existing problems and solutions of private lending respectively, and leads the legalization and compliance of private lending so that private lending can truly become a new vitality for promoting economic progress.