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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:

期数:

2012年01期

页码:

35-39

栏目:

出版日期:

2012-01-31

文章信息/Info

Title:

Thinking about Regulating Private Lending

作者:

蔡晓阳;

江西师范大学商学院,江西南昌,330022

Author(s):

CAI Xiaoyang

关键词:

民间借贷; 经济影响; 规范发展

Keywords:

private lending;  economic impact;  regulated development

分类号:

F832.39

文献标志码:

A

摘要:

近年来,在央行不断缩紧银根,实施稳健货币政策的宏观背景下,我国一些地区民间借贷日益活跃,并且其规模和利率几近"疯狂",甚至一些银行的信贷资金也没有进入实体经济,而是违规进入民间借贷市场,民间借贷风险日益凸现。因此,为稳定经济发展,建设和谐社会,规范民间借贷,促进民间借贷有序发展就显得非常重要。文章提出应从完善民间借贷相关法律法规;加大民间借贷机构的建设力度;加强对民间借贷的监管;引导民间资金从投机转向投资等方面给予规范。

Abstract:

In recent years, as the Central Bank endeavors to tighten money supply, in order to execute steady monetary policies ,the private lending is increasing rapidly in several regions in China ,with the extent almost ＂crazy＂ in its sizes and rates. As result, some bank credit funds are drawn from the real economy and illegally enter the private lending market instead, thus accelerating risk in private lending. Therefore, in order to stable economic development and build a harmonious society, it is very important to regulate private lending and promote its orderly development. This paper deals with problems that perfect loan - related laws and regulations; it proposes to set up in- stitutions to govern the private lending and guide the private funds form pure speculation to reasonable investment under control.

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更新日期/Last Update: 1900-01-01