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随着2011年以来陆续发生因民间借贷资金链断裂而导致中小企业倒闭、“温州私营企业老板跑路”、“鄂尔多斯民间借贷危机”等新闻事件的曝光,民间借贷一时间成为众矢之的,甚至被多方舆论“妖魔化”。游走于国有商业银行之外的民间借贷资本,是中国经济发展转型中一个不可回避的资金力量。它既有有利于经济发展的一面,也有危害金融市场的一面。风险与利益并存,合法与违规交叉。在此背景下,探析民间借贷的问题,引导和规范其发展,从而对更好地推动中国经济和社会的进一步发展具有重要的现实意义。
Since 2011, there have been a number of news events such as the closure of small and medium-sized enterprises (SMEs), private runner-owned enterprises in Wenzhou, and Ordos private lending crisis, as a result of the rupture of the private lending funds. As a result, private lending has become the target of public criticism , And even multi-media “demonization ”. The private lending capital, which is a walk away from state-owned commercial banks, is an unavoidable financial force in the transformation of China’s economy. It is not only beneficial to economic development, but also endanger the financial market. Risks and benefits exist side by side, legal and illegal crossings. Against this background, it is of great practical significance to probe into the issue of private lending and guide and regulate its development so as to better promote the further development of China’s economy and society.