论文部分内容阅读
随着改革开放的发展,民营经济的发展壮大,在其运营中出现资金短缺,金融困难等金融问题,但是由于国家正规银行机构对资质及手续要求极高,办理时间较长等问题,一些民营企业的资金问题无法在正规银行机构得到解决,因此民间借贷的出现迎合了这一需求,且方便快捷,对资质要求相对较低的特征,以成为我国中小企业的主要资金渠道。然而它的存在由于缺少相关法律法规的监管,对我国经济及群众财产安全造成一定不利因素,因此对我国民间借贷商法规制的立法亟待研究。
With the development of reform and opening up, the private economy has grown in size and developed into a financial problem such as shortage of funds and financial difficulties in its operations. However, due to the problems of high requirements for formalities and formal requirements of state-owned banking institutions and the long processing time, some private- The financial problems of enterprises can not be solved in the formal banking institutions. Therefore, the emergence of private lending to meet this demand, and convenient, relatively low qualification requirements to become the main funding channels for SMEs in our country. However, its existence due to the lack of supervision of the relevant laws and regulations, to our economy and property safety caused some unfavorable factors, so our country’s non-governmental commercial credit legislation is urgently studied.