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近年来,国内多地民间借贷日趋活跃,量价都有所走高,民间借贷风险案例时有发生。浙江省开化县也不例外,民间借贷活跃,并出现了主体多元化以及债务纠纷剧增等新情况。本文以开化县为调查样本,分析当前民间借贷的主要形式和特点,探讨监管框架的重构思路,为引导和规范民间借贷提供参考。
In recent years, many domestic private lending has become increasingly active, with higher and higher volume and price, and frequent cases of private lending and risk taking place. There is no exception in Kaihua County, Zhejiang Province. Private lending is active. New developments such as the diversification of the main body and the surge in debt disputes have emerged. This paper, taking Kaihua County as a sample, analyzes the main forms and characteristics of current private lending, discusses the reconstructive ideas of regulatory framework, and provides reference for guiding and standardizing private lending.