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民营经济在中国经济体制改革和社会主义市场经济渐进发展中成为中国经济高速发展的生力军,其发展离不开金融业,民间借贷便是民间金融的一种形式。自03年以来,国家通过制定一系列政策对民间借贷进行扶持,逐步放开了小额信贷的限制,使其得以快速发展。但是市场的自发性导致了它的突发性强、波及面广、危害性大,因此也导致了一系列经济犯罪的发生。处理与防范民间借贷给我们的法律风险,对非法集资的高额诱惑进行抵制,需要我们从金融体制上进行改革,更加亟待相关法律政策进行规制。
The private economy has become a new force in the rapid economic development of China in the process of China’s economic restructuring and the progressive development of the socialist market economy. Its development is inseparable from the financial industry. Private lending is a form of private finance. Since 2003, the state has supported private lending by formulating a series of policies and gradually liberalized the restrictions on microfinance so as to enable it to develop rapidly. However, the spontaneous market has led to its sudden strong, wide-spread, harmful, and therefore led to a series of economic crimes. To deal with and guard against the legal risks brought by the private lending to us and to boycott the high temptation of illegal fund-raising means that we must reform the financial system and urgently need to be regulated by relevant laws and policies.