民间资本进入金融领域的影响因素分析

民间资本进入金融领域的行为是投资条件、投资意愿和投资行动三者的加总，经济发展、政府政策、资金需求的存在昭示着投资条件的是否具备，信用状况、投资收益率和投资风险则决定投资意愿，这些因素都在直接或间接、或大或小的影响着投资忠诚度和投资额度，其中信用环境、资金需求、政府政策支持力度以及投资期限是民间资本通过人人贷进行正规借贷的主要影响因素。因此民间借贷的正规化有赖于风险防范体系和中小企业直接融资平台的完善，以及政府的扶持。

Influencing Factors on Private Capital into the Financial Sector

The behavior of private capital into the financial sector includes investment, conditions willingness and actions. The existence of economic development, government policy, and demand for funds decides whether the investing conditions have or not. Credit, investment rate and investment risks are determined willingness to invest. These factors are, directly or indirectly, large or small, impact on investment loyalty and quantity. Credit environment, capital requirements, policy support and investment period are main factors which promote private capital to participate regular lending through Renren Loan . Therefore, the normalization of private lending depends on the system improvement of risk prevention and improve SME direct financing platform, as well as government support.