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民间借贷问题已经成为全社会讨论的热门话题。基于规制金融风险,维持金融秩序和社会秩序以及为保证国家宏观调控效果的需要,有必要对民间借贷进行监管。考察民间借贷监管现状,其缺陷主要表现在监管法律的缺位、对民间借贷管制过严。至此,我国民间借贷的应有思路因从适度放松管制与加强监管入手,从而保证民间借贷运行的阳光化和规范化。
The issue of private lending has become a hot topic of discussion in the whole society. Based on the regulation of financial risks, the maintenance of financial order and social order, and the need to ensure the effectiveness of the state’s macroeconomic regulation and control, there is a need to regulate private lending. To investigate the status quo of the regulation of private lending, the defects are mainly manifested in the absence of the supervision law and the strict control over the private lending. At this point, due consideration should be given to deregulation and supervision in a moderate degree in our country so as to ensure the sunshine and standardization of the operation of private lending.