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民间借贷有着期限灵活、手续简便、程序简单、风险自担的特点,对于银行信用贷款起到了有益补充的作用。最近几年以来,民间借贷出现主体多元化、手续规范化和利率高企的动向。主要弊端是盲目性和不规范性。防范和化解民间借贷的有效途径是改进金融服务,加强政策和产业引导,规范民间融资行为,优化民间投资结构和加强对民间融资的日常监测工作。
Private lending has the characteristics of flexible term, simple procedure, simple procedure and self-risk, which play a useful complement to the bank’s credit loan. In recent years, private lending has witnessed the diversification of main bodies, the formalization of procedures and the trend of high interest rates. The main drawbacks are blindness and non-standardization. Effective ways to prevent and resolve private lending are to improve financial services, strengthen policy and industrial guidance, standardize private financing, optimize private investment structure and strengthen daily monitoring of private financing.