民间借贷困局及法律对策

摘要随着我国经济的稳健运行，民间借贷逐渐显露出对于盘活金融市场、支持中小企业独特又重要的优势。但是民间借贷也存在着不容忽视的潜在风险：缺少系统理论支持、缺乏规范立法监督、国民风险意识有待增强。随之而来的民间借货纠纷频发，不利于经济社会健康发展，要想推动我国经济社会高质量、健康的发展，首先就要补充和规范民间借贷的法律法规」本文通过系统的分析，寻找民间借贷的有关法律困局，发现我国民间借贷法规有所空白、监管体系不完备、民众和企业的风险意识不强这几方面的问题，提出法律体系的完善、建立有效的监管体制、提高民众和企业风险防范意识这三个法律对策。为有效防控民间借贷风险，进而削弱金融市场风险，推进我国经济社会的健康发展提供理论参考。关键词：民间借贷：困局：对策金融学院1ABSTRACTWith the steady operation of my country's economy,private lending has gradually revealedits unique and important advantages for revitalizing the financial market and supporting smalland medium-sized enterprises.However,private lending also has potential risks that cannot beignored:lack of systematic theoretical support,lack of regulatory and legislative supervision,and national risk awareness needs to be enhanced.The ensuing private lending disputesfrequently occur,which is not conducive to the healthy development of the economy and society.If we want to promote the high-quality and healthy development of my country's economy andsociety,we must first supplement and regulate private lending laws and regulations.Through a systematic analysis,this paper looks for the relevant legal dilemmas of private lending,and finds that my countrys private lending regulations are blank,the regulatory system isincomplete,and the public and enterprises'risk awareness is not strong.It proposes theimprovement and establishment of the legal system.Three legal countermeasures:effectivesupervision system and raising public and enterprise risk prevention awareness.It provides atheoretical reference for effectively preventing and controlling private lending risks,therebyweakening financial market risks,and promoting the healthy development of my country'seconomy and society.Key words:Private lending;Dilemma an;countermeasures0可北金融学院目录第1章引言.…1.1研究背景及意义，1.2文献综述.…21.2.1国内研究现状.…21.2.2国外研究现状.21.3研究内容31.4研究方法3第2章民间借贷概述..52.1民间借贷的法律界定….52.1.1民间借贷的定义.52.1.2民间借贷的分类.…62.2民间借贷的发展现状.….62.2.1民间借贷发展网络化.62.2.2民间借贷风险扩大化.7第3章民间借贷的法律制度现状，83.】法律法规司法解释.83.1.1法律法规梳理..83.1.2司法解释梳理83.2民间借贷的法律困局.…93.2.1民间借贷法律体系不完整.…