摘要
长期以来,福建省的民间借贷游离于正规金融体制之外,得不到官方的重视,加之民间借贷具有自发性,一旦出现违约或资金链断裂,往往会引发连锁不良反应,严重时会危害社会安定。但另一方面,民间借贷对民营中小企业的成长和发展、对农户的生产经营确实起到相当大的促进作用。正确对待民间借贷并将其纳入监管范围,完善监管法律,明确监管主体,改进监管方式,健全风险监控机制以及打击民间借贷背后的官商勾结,更好地实现对民间借贷的依法监管和保护,是当前稳定金融秩序,促进福建经济健康发展的重要保证。
Private lending in Fujian has been dissociated from the system of formal finance for a long time, and it is undervalued by related official departments. Furthermore, because of the spontaneity of private lending, once there is breach of contract or fund chain break , it might cause chain reactions, and even affect the social stability. However, on the other hand, private lending makes contributions to the development of lo- cal economy and privately-owned small and medium enterprises. In order to ensure financial stability and pro- mote economic development, it is important to deal with private lending correctly, set up financial regulation, improve financial supervision, appoint supervisor, improve methods of supervision , set up risk monitoring mechanism, crack down the collusion between officials and businessmen of private lending and actualize legal supervision and conservation of private lending.
出处
《福建师范大学学报（哲学社会科学版）》
CSSCI
北大核心
2013年第5期31-36,共6页
Journal of Fujian Normal University:Philosophy and Social Sciences Edition
基金
福建省科技厅软科学研究重点项目<福建涉农中小企业研发资金缺口与金融创新研究>(编号:2012R0039)阶段性成果
关键词
民间借贷
监管困局
破解
Private lending, dilemma of regulations, solution
