山西省民间借贷发展分析

民间借贷在山西省经济发展过程中,发挥着释放民间资本、补充正规金融以及优化区域资金配置等作用。由于其法规体系和监管体系不完善、对高利润的追逐以及规范化程度低等,导致了民间借贷在山西省存在着游走于合法与非法之间、酝酿着高风险、单笔交易金额小资金运用效率低等一系列问题、难以发挥资金合力的作用。因此,需要建立健全相应的法律法规和监管体系,放松利率管制,加大财政支持,促使民间借贷走阳光化和规范化的道路。

An Analysis on the Development of Private Lending in Shanxi Province

In the economic development of Shanxi Province,private lending plays a noticeable role in releasing private capital,supplementing formal finance,optimizing locally the capital allocation and so on.Yet,a series of problems also arises in private lend at the same time,due to the imperfection in regulation and supervision,overheated pursuit of high profit,and the low level of standardization,which prevent this source of capital from exerting the greatest function.Accordingly,to stimulate the operation of private lending to become standardized and transparent,it is necessary that some relevant regulation and supervision system be improved,interest rate be liberalized,and the financial support from government be promoted.