摘要：近几年来，我国的经济正在不断的稳步开展，与此同时民间借贷市场也在不断扩大。民间借贷在为中小企业扩充整合资金的方式的同时，也为规范金融体系注入新鲜血液，于此中小企业在开展壮大方面都包含着极大的推动促进。然而民间借贷在监管机制方面仍然还有很多的缺陷，这对于金融体制造成了很大的困扰，因此也导致了很多民事纷争的发生。尽最大努力的施展科学私人借贷有效的潜力，还必须加大改革力度，使其为社会经济发展更好的提供基础。全国的中小企业需要用来壮大发展的资金供给绝大多数是来自民间借贷，中小企业在中国的壮大展开很大程度上依靠了民间借贷。一大部分专家已经觉察出了规范发展势不可挡，在各种场合下，民间贷款的合法地位应该以不同的方式给出。当然，民间借贷随着时间的发展各种弊端都在慢慢显露，因此这篇文章以论述民间借贷的发展及现状为主要线索开展，通过分析其存在的问题和相应的国家机关出台的监管措施，使我们能够进一步理解民间借贷这种为中小型企业融资的新手段，并能够很好地利用这种新发展的融资手段为企业服务，为社会服务。72181

毕业论文关键词：民间借贷；经济发展；问题研究；融资 

The current our country small and medium-sized enterprise folk lending problems research

Abstract ：In recent years, China's economy is constantly steady development, while the private lending market is also expanding。 Private loans in the way for SMEs to broaden the integration of funds, but also to regulate the financial system into the fresh blood, for small and medium enterprises in many development have a great role in promoting。 However, private lending in the regulatory mechanism is still a lot of flaws, which for the formal financial operation order caused a lot of trouble, and therefore led to a lot of civil disputes。 Make every effort to play the effective potential of scientific private lending, but also must increase the intensity of reform, so that it provides a better basis for social and economic development。 The country's small and medium enterprises need to use to grow the development of the vast majority of funds from private lending, small and medium enterprises in China's expansion to a large extent rely on private lending。 A large number of experts have been aware of the normative development unstoppable, in a variety of occasions, the legal status of civil loans should be given in different ways。 Of course, the development of private lending with the development of various defects are slowly revealed, so this article to discuss the development of private lending and the current status as the main clue to carry out the analysis of its problems and the corresponding state organs introduced regulatory measures So that we can further understand the private borrowing of small and medium-sized enterprises that a new means of financing, and can make good use of this new means of financing for the enterprise services for the public service。

Keywords: private lending；economic development；Problem study；Financing 

目  录

绪论… 1

一、民间借贷的必然性和理论基础 2

（一）民间借贷的必然性…2

（二）民间借贷的基本概念2

（三）民间借贷的理论基础3

二、当前我国中小企业民间借贷的现状分析 5

（一）民间借贷的发展现状 5

1、民间借贷的规模总量不断增长…5

2、民间借贷进一步扩大使用范围, 不断增加方式…5

3、放贷人员更复杂化5

4、潜在风险较大5

（二）民间借贷的现状分析6