随着金融市场的繁荣发展,民间借贷也越来越热,但是也随之出现了一些问题,如何防范在金融借贷过程中出现的问题成为在金融借贷领域的重点和难点。现阶段民间借贷市场逐渐下滑,一些民间资本秩序混乱甚至资本筹集的不合法现象越来越突出。民间借贷规范性及程序性较差,手续过于简单,借贷的合法性难以保证,这些都在一定程度上对社会经济秩序带来了不利影响。笔者结合现阶段民间借贷的主要形式,通过分析在民间借贷中存在的风险问题,提出了相关的引导和规范民间借贷健康发展的策略,具有一定的现实意义。 With the prosperity and development of financial markets, private lending is also getting hotter and hotter, but some problems have emerged. How to prevent the problems that arise in the process of financial lending becomes the focus and the difficulty in the field of financial lending and borrowing. At this stage, the private lending market is gradually declining. Some private capital chaos and even illegal capital raising are becoming more and more prominent. The normative and procedural rules of non-government loans are too simple, the procedures are too simple, and the legitimacy of borrowing is difficult to guarantee. All these have to a certain extent adversely affected the social and economic order. By combining with the main forms of private lending at the present stage, the author puts forward some relevant strategies for guiding and standardizing the healthy development of private lending by analyzing the risks existing in private lending. This is of practical significance.