民间借贷效应分析与地方政府监管途径选择——以温州“民间借贷危机”为例

刘少华; 张赛萍

民间借贷效应分析与地方政府监管途径选择——以温州“民间借贷危机”为例

引用本文：刘少华,张赛萍.民间借贷效应分析与地方政府监管途径选择——以温州“民间借贷危机”为例[J].财经理论与实践,2013,(1):11-15

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作者	单位
刘少华,张赛萍	（1.湖南大学政治与公共管理学院,湖南长沙410082 2.长沙市芙蓉区马坡岭街道办事处,湖南长沙410126)

中文摘要:民间借贷作为正规金融的有益补充，是中国经济发展转型中一种重要的资金力量。但是，2011年爆发的温州民间借贷危机和温州“跑路事件”引发人们对民间借贷危机的担忧。民间借贷作为一把双刃剑，在有助于企业发展的同时，因缺乏有效的监管而蕴含着巨大的风险。为规范和引导民间借贷，我国在继续推动利率市场化改革的前提下，应该建立“双向多头”式的地方政府监管机构，加强金融监管，成立民间借贷登记服务机构等，严格从民间资金的来源和去向两个环节把关，落实相关法律法规和金融政策，促进民间借贷行为规范化。

中文关键词:民间借贷效应分析监管途径

The Effects of Private Loan and the Supervision from Local Government: Take the “Wenzhou Private Loan Crisis” as an Example

Abstract:Private loan, as a useful supplement to the regular financial system, is a flow of significant capital for China's economic growth during its period of transformation. However, the “Wenzhou private loan crisis” in 2011 has triggered people's concern about private loan. Considering the advantage in helping the development of enterprise and the disadvantage of its underlying tremendous risks due to the inefficient supervision, the private loan, is similar to a double edged sword. In order to match the economic transformation and adapt to the development of the private sector, the local government should establish a new supervision system. Some measures should be done such as to establish register system, to strictly control the source and flow of the private capital and to strictly follow the legal rules and policies.

keywords:Private loan Effect Analysis Supervision

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