民间借贷作为一种更加简易灵活的融资行为,在缓解中小企业的资金困难方面起到了一定作用,是市场作为调控手段下的自主资金流向,是市场自觉适应经济发展的必要方式。但民间借贷存在着法规调控不完善、风险不易掌控、涉众范围广等问题,因此,对民间借贷亟需法律、政策等方面的引导与规范。 As a more simple and flexible financing behavior, private lending plays a certain role in alleviating the financial difficulties of small and medium-sized enterprises. It is the necessary flow of the market as an autonomous capital flow under the control of regulation and means that the market can consciously adapt to economic development. However, there are some problems in private lending, such as imperfect regulation and control of laws and regulations, difficult control of risks and a wide range of stakeholders. Therefore, there is an urgent need for guidance and regulation of laws and policies on private lending.