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民间借贷市场的产生是我国社会经济发展的产物,同时也应和我国经济发展程度相适应。文章在介绍我国民间借贷市场现状的基础上,试图利用信息经济学的非对称信息理论来分析和解释民间借贷市场高利率的原因,并且在此基础上,提出规范我国民间借贷市场发展的建议,使民间借贷市场走上更加良性发展的道路。
The emergence of the private lending market is a product of China’s social and economic development and should be compatible with the level of economic development in our country. Based on the introduction of the status quo of China’s private lending market, the article attempts to use the asymmetric information theory of information economics to analyze and explain the reasons for the high interest rate in the private lending market. On the basis of this, it puts forward suggestions to standardize the development of China’s private lending market, So that private lending market on the road to more benign development.