民间借贷作为传统借贷的一种渠道由来已久。中小企业资金缺口大,但很难从银行等金融机构及时贷到足额资金,加上民间存在着富裕的资金和高利贷的引诱,使得民间借贷的规模不断扩大,资金局面紧张。现今民间借贷愈演愈烈,其盲目发展已经影响到一些地方企业的健康发展并对社会稳定带来隐患。本文介绍了民间借贷的缘起和现状,并对当前的局势提出了几点建议,以促进经济的良态发展。 Private lending as a traditional way of borrowing a long time. SME funding gap is large, but it is difficult to borrow from banks and other financial institutions in a timely manner to full funding, coupled with the wealthy people and the usury of lure, making the scale of private lending continues to grow, the financial situation is tense. Nowadays, as private lending becomes more and more intensified, its blind development has affected the healthy development of some local enterprises and brought about potential risks to social stability. This article introduces the origins and current situation of private lending and puts forward some suggestions on the current situation so as to promote the sound development of the economy.