民间借贷行业监管的框架设计与机制建设

目前,由于缺乏外在的立法和内在的运行规则调整,民间借贷市场作为一种非正规性的金融市场在发展中存在诸多的风险和问题,这极大地阻碍了我国金融体系的发展和完善,亟需强有力的管控。为此,应加强对民间借贷机构的机构形式、机构准入、机构流动、业务经营以及隐性风险的监管,以促进民间借贷行业阳光化、规范化的发展。

The Framework Design and the Mechanism Construction of the Supervision of Private Lending

At present,due to the lack of external legalization and inner adjustment of operation rules,there are so many risks and problems in the development of private lending market as an informal financial market,which has hindered greatly the perfection of China＇s financial system,so it needs the powerful management and control badly.Therefore,we should strengthen the supervision of private lending organizations in these aspects：the organization form,the access of the organization,institution＇s liquidity,the business and the hidden risk,in order to promote the healthy and standardized development of private lending.