国际金融危机以来,许多中小企业正规融资空间变狭小,部分中小企业融资加速向民间借贷边界拐进。民间借贷作为正规金融机构借贷的补充,既弥补了正规金融机构借贷不足给企业需求带来的矛盾,也缓解了金融市场借贷资源的匮乏问题。然而,由于民间借贷始终处于地下状态,缺乏有效监管,存在较高风险,引发的矛盾纠纷也大量增加。因此,规范民间借贷,引导其成为金融市场的重要竞争主体,为社会经济的发展发挥积极的作用,便显得极为重要。 Since the international financial crisis, many small and medium-sized enterprises have become less formally financed and some SMEs have accelerated their financing to private lending boundaries. As a complement to the lending of the formal financial institutions, private lending not only makes up for the contradiction between the demand of enterprises in the lending of the formal financial institutions, but also alleviates the shortage of lending resources in the financial markets. However, as private lending has always been underground and lacks effective regulation, there is a high risk of contradictions and disputes arising from it. Therefore, it is of paramount importance to regulate private lending and guide it to become an important competitive subject in the financial market and play an active role in social and economic development.