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近年来我国民间借贷发展十分迅速,其存在的优势是:周期短、效益高;民间借贷较为灵活;有助于中小企业发展等。随着民间借贷的高速发展,出现了一些问题,其潜在的风险是:立法体系不健全;发展模式不规范;道德信任严重缺失等。建立完整的风险防范措施需要:加强公众教育;建立健全监督机制;完善民间借贷相关体系。在行业自律的前提下,政府积极引导,才能健全我国民间借贷,进一步推进我国实体经济的发展。
In recent years, the development of China’s private lending has been very rapid, and its advantages are: short cycle and high efficiency; non-government loans are more flexible; and contribute to the development of small and medium-sized enterprises. With the rapid development of private lending, some problems have emerged. The potential risks are: the imperfect legislative system; the non-standard development model; and the serious lack of moral trust. The establishment of a complete risk prevention measures needs: to strengthen public education; establish and improve the monitoring mechanism; improve the relevant systems of private lending. Under the premise of self-discipline in the industry, if the government guides actively, can we improve our private lending and further promote the development of our real economy.