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随着改革开放市场经济的发展,在珠三角、长三角、京津冀等经济发达地区,中小企业蓬勃发展,资金需求旺盛。鉴于商业银行贷款的结构局限性,中小企业把民间借贷视为重要的融资途径之一。2011年,我国工业企业中,中小企业占比99.3%,所带来的工业总产值占67.9%,就业人数占76.9%,且各项数字指标呈上升趋势。近年来,中国多个城市也成为民间借贷的重灾区:浙江义乌、宁波、内蒙古鄂尔多斯等。在民间借贷市场风险不断增大、相关纠纷案件不断增多的情况下,怎样正确引导民间借贷产业健康发展,成为社会当下不得不解决的问题之一。
With the development of a market economy undergoing the reform and opening up, small and medium-sized enterprises are booming and the demand for funds is robust in the economically developed regions such as the PRD, the Yangtze River Delta, and Beijing-Tianjin-Hebei. Given the structural limitations of commercial bank loans, SMEs see private lending as one of the important financing channels. In 2011, among the industrial enterprises in our country, the proportion of SMEs accounted for 99.3%, which brought about 67.9% of the total industrial output value and employed persons accounting for 76.9% of the total. And all the figures showed an upward trend. In recent years, many cities in China have also become the hardest hit by private lending: Zhejiang Yiwu, Ningbo and Inner Mongolia Ordos. With the increasing risk in the private lending market and the increasing number of related disputes, how to properly guide the healthy development of the private lending industry has become one of the problems that the society must solve nowadays.