目 录
（三） 不规范的民间借贷容易引发债务纠纷和违法活动，影响社会安定和正常的金融环境
内 容 摘 要
民间借贷在我国经济发展中发挥着越来越大的作用，但存在的问题也越来越突出。民间借贷在我国广泛存在，但在法律上对民间借贷没有详细的规制，也没有纳入金融监管体系，故赋予民间借贷以合法地位迫不及待。在我国的法律体系之中，还没有关于民间借贷的专门性的法律法规，已有的相关规定非常混乱，存在诸多弊端，我国应尽快制定专门的民间借贷合同法律法规，解决因民间借贷引起的纠纷，促进民间借贷的健康有序发展。利用民间资金为我国经济建设的快速发展提供资金支持，繁荣我国的市场经济。
所以本文通过对我国民间借贷目前发展的现状进行详细的分析，从中指出现阶段我国民间借贷存在的问题；最后根据我国民间阶段存在的问题，提出一些解决的办法，主要从规范民间借贷合同、建立完善民间借贷法律制度，规范和引导民间借贷行为、明确非金融企业间借贷行为的合法效力、建立我国民间借贷的监管体制和完善民间借贷配套管理制度等建议，并希望这些建议的提出对我国民间借贷的规范化发展有一定的帮助。
关键词：
民间借贷 法律规制 完善
folk lending in the country’s economic development is playing the more and more major role, but also to the existing problemsThe more outstanding. Folk lending widespread existence in our country, but in the law of the folk lending no detailed regulation, also did not include financial regulatory system, so give folk to borrow money to legal status can’t wait. In our legal system in, is not about folk lending special laws and regulations, and the relevant provisions of the existing chaotic, there are many disadvantages, our country should make special folk as soon as possible loan contract laws and regulations for solving dispute in folk lending, and promote the healthy and orderly development of the folk lending. Use of private capital for the rapid development of our country’s economic construction fund, prosperity, our country’s market economy.
Therefore, this paper on China’s folk debit in the current status of development in detail, from the middle finger of occurrence phase our country folk debit and credit problems; finally according to our country civil problems, put forward some solutions, mainly from the standard folk lends money the contract, establish and improve the folk debit and credit legal system, standardize and guide folk borrowing behavior, making clear the financial enterprise credit legal effectiveness, the establishment of China’s folk credit supervision system and perfect management system of private lending support suggestions, and hope that these suggestions on Chinese folk credit standardization development must have the help of.
Keywords: folk lending law regulation is perfect
