CAJ | 학술논문

民间借贷作为民间金融的重要组成部分，近年来成为我国企业融资的主要渠道之一。民间借贷的发展给中国金融市场带来了冲击，由于缺少法律制度、信用意识，加之缺少风险监控对民间金融市场监管，导致民间借贷供应链危机四伏。为此，基于中国金融市场，必须清晰的界定民间金融市场的法律地位，规范民间借贷主体道德、法律和制度。在完善中国金融市场的同时，加速中国融资市场改革和制度改革、金融创新。
민간차대작위민간금융적중요조성부분，근년래성위아국기업융자적주요거도지일。민간차대적발전급중국금융시장대래료충격，유우결소법률제도、신용의식，가지결소풍험감공대민간금융시장감관，도치민간차대공응련위궤사복。위차，기우중국금융시장，필수청석적계정민간금융시장적법률지위，규범민간차대주체도덕、법률화제도。재완선중국금융시장적동시，가속중국융자시장개혁화제도개혁、금융창신。
private lending is an important part of folk finance, one of the main channels of financing has become in recent years. The development of private lending to bring the impact of Chinese financial market, due to the lack of the legal system, credit awareness, coupled with the lack of risk monitoring and supervision of private financial markets, resulting infolk loan supply chain be threatened by growingcrises.Therefore,basedonthe legalstatusofChinesefinancialmarket,mustbeclearlydefined folkfinancialmarket,regulatethe private lending moral, legal and institutional. On the improvement of China's financial market, accelerate the reform of China capital market and system reform, financial innovation.