民间借贷危机不仅造成中小企业自身财务危机,还将风险波及到银行系统和实体产业。因此,对民间借贷市场进行规制既是缓解中小企业融资难的需要,也是促进市场经济稳定发展的需要。完善民间借贷市场不能以取缔为手段,而应以建立平等自由的融资环境为目的。解决民间借贷危机、促进中小企业融资,必须建立健全规范金融体制,引导民间资本向实体产业有序化流动,完善民间借贷监控体系,以适度干预促进民间金融市场的发展。 The crisis of private lending not only caused SME’s own financial crisis, but also spread the risk to the banking system and real industry. Therefore, regulating the private lending market is not only necessary to ease the financing difficulties of SMEs, but also to promote the stable development of the market economy. Improve the private lending market can not be banned as a means, but should establish an equal and free financing environment for the purpose. To solve the crisis of private lending and promote the financing of SMEs, we must establish a sound and standardized financial system, guide the flow of private capital to the real estate industry, improve the monitoring system of private lending, and promote the development of private financial markets with moderate intervention.