CAJ | 학술논문

民间借贷作为正规金融的有益补充,是中国经济发展转型中一种重要的资金力量。但是,2011年爆发的温州民间借贷危机和温州＂跑路事件＂引发人们对民间借贷危机的担忧。民间借贷作为一把双刃剑,在有助于企业发展的同时,因缺乏有效的监管而蕴含着巨大的风险。为规范和引导民间借贷,我国在继续推动利率市场化改革的前提下,应该建立＂双向多头＂式的地方政府监管机构,加强金融监管,成立民间借贷登记服务机构等,严格从民间资金的来源和去向两个环节把关,落实相关法律法规和金融政策,促进民间借贷行为规范化。
민간차대작위정규금융적유익보충,시중국경제발전전형중일충중요적자금역량。단시,2011년폭발적온주민간차대위궤화온주＂포로사건＂인발인문대민간차대위궤적담우。민간차대작위일파쌍인검,재유조우기업발전적동시,인결핍유효적감관이온함착거대적풍험。위규범화인도민간차대,아국재계속추동리솔시장화개혁적전제하,응해건립＂쌍향다두＂식적지방정부감관궤구,가강금융감관,성립민간차대등기복무궤구등,엄격종민간자금적래원화거향량개배절파관,락실상관법율법규화금융정책,촉진민간차대행위규범화。
Private loan,as a useful supplement to the regular financial system,is a flow of significant capital for China＇s economic growth during its period of transformation.However,the ＂Wenzhou private loan crisis＂ in 2011 has triggered people＇s concern about private loan.Considering the advantage in helping the development of enterprise and the disadvantage of its underlying tremendous risks due to the inefficient supervision,the private loan,is similar to a double edged sword.In order to match the economic transformation and adapt to the development of the private sector,the local government should establish a new supervision system.Some measures should be done such as to establish register system,to strictly control the source and flow of the private capital and to strictly follow the legal rules and policies.