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近年来,非正规金融违规借贷广泛存在,其涉及地域广、行业多、影响范围广。文章基于成因分析的结果上,对2011年110起非正规金融违规借贷案例加以检验分析,得出高利贷、私营企业融资供不应求以及金融体制不健全是导致借贷纠纷最主要的原因。因此,规避高利贷行为、拓宽私营企业融资渠道、加强金融监管是引导非正规金融健康发展的有效措施。
In recent years, non-formal financial irregularities exist extensively, involving a wide range of industries and industries, affecting a wide range of areas. Based on the result of cause analysis, the article tests and analyzes 110 cases of non-formal financial irregularities in 2011 and draws the conclusion that usury, private-sector financing in short supply and unsound financial system are the main causes of loan disputes. Therefore, to evade usury, broaden the financing channels for private enterprises and strengthen financial supervision are effective measures to guide the healthy development of informal finance.