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规范发展民间借贷需要建立一套相关的保障制度,如建立与完善存款保险制度、贷款担保制度、破产清算制度、市场准入制度、信息披露制度等。民间借贷是游离于金融机构、保险及证券公司之外的融资现象,表现为个人之间、企业之间或企业与个人之间按照一定的利益标准和条件私下进行资金余缺调剂。在期限和还款方式上比金融机构灵活、便捷。具有隐蔽性、分散性、情感性、
To standardize the development of private lending needs to establish a set of relevant guarantee systems, such as establishing and improving the deposit insurance system, loan guarantee system, bankruptcy and liquidation system, market access system and information disclosure system. Private lending is a financing phenomenon that is free from financial institutions, insurance companies and securities companies. It is manifested in the private placement of funds between individuals and between enterprises or between enterprises and individuals in accordance with certain standards of interests and conditions. In the deadline and repayment methods than financial institutions flexible and convenient. Has a hidden, scattered, emotional,