我国民间借贷危机及防范对策建议——以中小企业民间融资为视角

目前，我国金融体制不健全、宏观经济政策调控不力以及法律监管存在漏洞造成了整个经济的不稳定，引发了民间借贷危机。这不仅造成中小企业财务危机，而且还将风险波及银行系统和实体产业。为解决民间借贷危机、促进中小企业融资，必须建立健全正规金融体制，消除融资“双轨制”，完善民间借贷监控体系，从适度干预的角度促进中小企业民间金融市场的发展。

On China s Private Lending Crisis and Preventive Measures Recommended -From the Perspective of Private Financing for SMEs

At present, such factors as imperfect financial system in China, ineffective regulation from maeroeconom- ic policy and legal regulatory loopholes have brought about the instability of the entire economy and a private lending crisis in China. This not only causes SMEs to go under the way of financial crisis by their own, but also spreads the risk to the banking system and the industrial entities. For addressing private lending crisis and promoting SME fi- nancing, it＇ s necessary to establish a sound formal financial system, to eliminate financing ＂dual system＂ , and to consummate private lending monitoring system, so as to promote SME development of private financial markets from the perspective of moderate intervention.