本文介绍了民间借贷融资的方式,分析了民间融资的供求主体及特征,民间融资的经济与社会效应,提出规范和促进民间金融信贷健康发展的对策:正确引导、疏堵结合,促其规范;加大信贷投资力度,拓宽中小企业融资渠道;实行银行贷款自主定价,推进利率市场化进程;开展个人委托贷款业务。 This paper introduces the ways of private lending and financing, analyzes the main body and characteristics of supply and demand of private financing, the economic and social effects of private financing, puts forward countermeasures to standardize and promote the healthy development of non - government financial credit: guide correctly, We will step up credit investment and broaden financing channels for SMEs. We will implement independent pricing of bank loans to promote the marketization of interest rates and carry out personal entrusted loan business.