我国民间借贷及其监管对策研究——以鄂尔多斯地区为例

鄂尔多斯地区民间借贷在近年来发展速度与规模非常快,对地区经济成长与发展起到积极推动作用的同时,其带来的一系列问题也成为人们关注的热点.游离于监管体制外的大量民间资金的存在也严重影响了国家宏观调控政策实施的效果,对地区社会经济稳定和金融安全带来巨大隐患,在分析鄂尔多斯民间借贷特点和形成原因的基础上,针对性提出了推动鄂尔多斯金融稳定健康发展的对策与措施.

On Research of Private Lending System and Its Supervision＇s Countermeasure in China——Take Ordos for Example

In recent years, Ordos＇ area folk loan development is rapid, in regional economic growth and development play a posi-tive role at the same time, it brings a series of problems have become the focus of attention. Survey found that Ordos＇ area folk loan effectively support the development of small and medium businesses in Ordos, but at the same time, free from outside of the regulation system of the existence of folk capital also seriously affected the national maeroeconomic regulation and control policy implementation effect, on the regional social and economic stability and financial security bring great hidden danger. Based on the reasonable definition of folk loan category and its produce development theory is introduced on the basis of the current Ordos＇ area folk lending conditions and characteristics, and analysis the cause of Ordos folk lending, and based on this, the comprehen-sive evaluation of the Ordos＇ folk loan of the positive and negative influence, put forward aims to promote the healthy develop-ment of the Ordos＇ financial stability, the countermeasures and measures. This artiele will put forward a lot of ways to solve the problems and prompt the economic development of Ordos.