摘要
近年来，民间借贷活动异常活跃，民间借贷问题成为金融界乃至全社会讨论的热门话题。民间借贷对我国社会经济的发展贡献突出，极大地弥补了正规金融的不足，促进了民营企业特别是民营中小企业的发展。然而长期以来，我国一直缺乏民间借贷的专门法律法规对其加以监管及引导，民间借贷活动产生了巨大风险，很大程度上影响了金融市场的稳定。因此，民间金融活动一直受到政府的压制。对民间借贷严格压制、打击的现状，不仅无益发挥金融深化、金融发展对经济发展的促进作用，而且在很大程度上迫使民间借贷长期处于非法边缘，蕴藏了大量的金融风险。民间借贷该何去何从，应该怎样对其监管，成为亟待解决的现实问题。
本文通过以温州民间借贷为案例切入问题关键，剖析研究背景和选题意义，并阐述本文的研究方法。从民间借贷的发展现状以及对其监管的必要性出发，结合现实，分析目前温州民间借贷存在的缺陷及其成因，在此基础上提出完善我国民间借贷监管制度的具体建议。
Abstract
In recent years, private lending activities unusually active, folk debit and credit problem becomes the financial circles and even the entire society ‘s hot topic. Private loan to China’s social and economic development made outstanding contributions, greatly make up for the lack of formal finance, promoted the development of private enterprises especially small and medium-sized private enterprises development. However long-term since, our country has been the lack of private lending special laws and regulations for the supervision and guidance, private lending activity generated huge risk, greatly influences the stability of the financial markets. Therefore, the folk financial activities has been the subject of government repression. On folk debit and credit strictly suppressed, combat situation, not only profitless play financial deepening, financial development role in promoting economic development, but also to a great extent forcing borrowing in the long-term illegal edge, contains a large number of financial risks. Borrowing the decide on what path to follow, how should the regulation, become a real problem that solves urgently.This article through to the Wenzhou folk debit entry key case, analyzes research background and significance, and elaborated the research method. From the folk credit development situation and in the monitoring of the necessity, combined with the reality, analyze the present Wenzhou folk leasehold defects and its causes, based on this proposed consummates our country folk credit supervision system of specific recommendations.
Key words: folk debit and credit; supervision; strategy
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