民间借贷在解决中小企业向正规金融融资难的同时,由于缺乏有效监管也成为非法集资的重要掩饰,对地方金融的正常秩序形成了极大的危害。本文通过分析对我国民间借贷风险的形成机理,并对温州中小企业民间借贷的问卷调查基础上,提出如何规范发展我国的民间借贷活动。 In the meantime, private lending has become an important cover for illegal fund-raising due to the lack of effective supervision while solving the difficulty of SMEs financing formal finance, which has greatly jeopardized the normal order of local finance. Based on the analysis of the formation mechanism of the private lending risk in our country and the questionnaire survey on the private lending of SMEs in Wenzhou, this paper proposes how to regulate the development of private lending in our country.