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2011年7月21日,人行温州市中心支行发布报告显示温州市民间借贷市场目前处于阶段性活跃时期,估计市场规模约1100亿元,民间借贷利率也处于阶段性高位,大约89%的家庭个人和59%的企业都参与了民间借贷,引起了社会上对于民间借贷制度建设的讨论。本文分析了我国民间借贷不断发展的原因,探讨我国关于民间借贷的法律规制,并提出相关的立法建议,希望能够进一步规范民间借贷市场,解决中小型企业融资难问题。
On July 21, 2011, a report released by Wenzhou Central Branch of the People’s Bank showed that the private lending market in Wenzhou City is currently in a phase of an active phase. The estimated market size is about 110 billion yuan, and the private lending rate is also at a high stage. About 89% of the individual households And 59% of the enterprises all participated in the private lending, which aroused the discussion of the construction of the private lending system in the society. This paper analyzes the reasons for the continuous development of private lending in our country, discusses the legal regulation of private lending in our country, and puts forward the relevant legislative proposals. It hopes to further regulate the private lending market and solve the financing difficulties of small and medium-sized enterprises.