我国民间借贷存在的风险及其对策建议

民间借贷活动具有一定的内在合理性,也具有先天缺陷和风险因素。我国民间借贷发展中存在风险隐患。应建立健全相关法律法规,营造民间借贷发展的良好法制环境;规范民间借贷利率定价机制,遏制民间借贷的投机交易;加强监管,将民间借贷纳入金融宏观调控体系;拓展民间投资渠道,引导民间融资健康发展。

On the Risks Existing in Private Lending in China and Countermeasures

Private lending has the intrinsic rationality, as well as the defect and risk. We have to establish complete law and regulation, create a healthy environment for private lending development, regulate the pricing system of private lending, control the speculation in private lending, enforce the governance and control, absorb private lending into national financial regulation and control system, expend the channel for private capital investment and guide the private financing healthy development.