我国民间借贷的问题研究

民间借贷又称“民间信用”或者“个人信用”，是指公民之间、公民与法人之间、公民与其他借贷组织之间互相提供的信用。其一般采用利息面议，直接成交的方式，但利率不得超过人民银行规定的相关利率（最高不得超过银行同类贷款利率的4倍）。民间借贷活动必须严格遵守国家法律、行政法规的有关规定、遵循资源互助、诚实信用的原则。[1]
民间借贷作为一种比较古老的借贷形式，在长期的发展过程中较为贴近百姓的生活，贴近借贷者的需求，在一定程度上满足了城乡居民以及企业单位在多方面、多层次的融资需求。而近几年，得益于资本市场的巨大资金缺口，民间借贷发展迅猛。
本文分为四个部分，论文的主要架构以及主要内容如下：第一部分，主要介绍了我国民间借贷的历史的渊源以及发展情况，还有我国现今民间借贷主要存在的两个方面，农村的民间借贷或者说是公民之间的民间借贷以及中小企业的民间借贷即有法人参与的民间借贷。第二个部分，主要分析了民间借贷在资本市场的融资环境中的优势和劣势。第三部分，主要介绍民间借贷目前在我国的法律地位，还有在民间借贷是主要存在的问题以及解决的办法。第四部分，简单介绍了我国民间借贷在金融危机下的影响以及探讨民间未来如何更好的发展方法。

关键字：民间借贷  融资 问题
Abstract
Private lending, also known as "private credit" or "personal credit" refers to the citizens, between citizens and legal persons, citizens and other lending organizations provide each other with the credit. The general interest Negotiable, direct transactions, but the interest rate shall not exceed the People's Bank of the prescribed interest rate (up to 4 times) shall not exceed the bank interest rates of similar loans. Private lending activitiesmust strictly comply with the relevant provisions of national laws and administrative regulations, follow the resources and mutual assistance, the principle of good faith.
Private nding as a more ancient form of borrowing in the long process of developmentis more close to people's  lives, close to the needs of borrowers to meet the financing needs of the urban and rural residents and business units in many multi-level, to a certain extent. In recent years, a huge benefit from the capital market funding gap, the rapiddevelopment of private lending.
This article is divided into four parts, the main framework and the main content of thepaper is as follows: The first part introduces the historical origins and development ofChina's private lending, private lending today mainly in two areas, the rural private lending or private lending private lending for private lending between citizens and SMEs,corporate participation. The second part, the main analysis of the advantages and disadvantages of private lending in the capital market financing environment. The third part introduces the legal status of private lending in China, as well as private lending isthe main problems, as well as the solution. The fourth part, a brief introduction how tobetter our private lending in the financial crisis and to explore civil.
Keywords: private borrowing facilities questions

*若需了解更多与协助请咨询↓→[电脑QQ][手机QQ]【数据协助】