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延边地处东北亚金三角核心区域,特殊的地缘优势形成了其特殊的民间借贷运行特征:以出国劳务收入为主要来源的民间借贷资本供给、以中小企业为主体的民间借贷资本需求、以“外汇老板”为中介的交易形成方式共同组成了延边地区的民间借贷活动。受其影响,延边地区民间借贷活动隐秘性强,监管难度大,金融风险高。如何引导延边地区民间借贷资本融通、防范和降低金融风险,本文提出了相应的调节途径与方式,并提出设立民间借贷服务中心是一条行之有效的重要途径。
Located in the core area of the Golden Triangle in Northeast Asia, Yanbian has formed its special operating characteristics of private lending: the supply of private lending capital with the main source of labor service abroad, the demand for private lending capital with small and medium-sized enterprises as the mainstay, Foreign exchange boss "as the formation of intermediary transactions form the common non-governmental lending activities in Yanbian. Affected by it, the non-governmental lending activities in Yanbian area are of strong secrecy, difficult regulation and high financial risks. How to guide the financing of private lending in Yanbian area to prevent and reduce financial risks, this paper puts forward corresponding ways and ways of adjustment, and puts forward the establishment of private lending service center is an effective way.