我国当前民间借贷发展的原因及其影响

民间借贷有着悠久的发展历史,受当前国家稳健货币政策、紧缩银根的影响,企业通过正规金融机构融资难度加大,加大了对民间资本的需求;而资本市场的不完善和对利益的追求则是民间资本借贷市场供给的强大驱动力。正是资本的供求矛盾推动了民间借贷的迅猛发展。民间借贷的快速发展在一定程度上缓解了企业资金供给的不足、促进了经济发展,但其自身存在的缺陷也对企业的持续发展和国家宏观经济政策产生了消极的负面影响。因而国家应该制定正确的政策,规范与引导民间借贷的健康发展,达到趋利避害,发挥民间借贷对经济的积极作用。

Study on the Reasons and Affects of the Private Lending

Private lending has a long history.Affected by the tightening the money supply during the moderate monetary policy,corporate financing becomes much harder at present,especially for the small and medium enterprises,which makes it more difficult to obtain the funds trough the formal financial institutions.The imperfections of the capital market and pursuing the interests lead to the demands of the private capital developing quickly.produce the profound impacts on the economy both actively and negatively.On the one hands,it will relieve the lack of capital to some degree.On the other hand it has a negative negative impacts on the sustainable development of enterprises and national macroeconomic policies.So the government should formulate the proper polices to normalize and guide the private lending developing healthily.