改革开放以来,我国经济迅速发展,特别是民营经济更展现出蓬勃发展的生机。

我国中小企业在促进科技进步,经济增长,增加就业,扩大国际贸易等方面,在

国民经济的发展中发挥着重要作用。

随着经济的发展,大多数中小企业受规模和财务制度的限制,从正规的股票、

债券市场很难得到资金支持,面临着融资困难的问题,资金短缺成为制约中小企

业发展的瓶颈。民间借贷为中小企业提供资金支持,缓解融资困难问题起到积极

作用,弥补了正规金融机构的缺陷。

随着我国民间资本规模的不断壮大,民间金融缺乏规范的管理方式和严格的法

律制度约束,主要靠道德和信用来维系,长期游离于正规金融制度之外,易产生

道德风险。尤其是2011年以来,由于中国的经济增速趋缓,再加上货币政策、国

际金融经济形势的影响,使得资金的供应较为紧张,在一些民间资本借贷活跃的

地区,出现了资金链断裂的现象,部分中小企业因无力偿还借贷甚至是月利息而

倒闭、企业主逃债等情况,民间借贷市场危机由此爆发。

论文选择中小企业民间资本借贷问题进行深入研究,通过分析近几年我国民间

借贷的现状和特点,当前存在的问题,并提出解决问题的对策建议。希望本文的

研究对我国中小企业民间资本借贷问题的解决进行一定程度的有益探索。

关键词:中小企业,民间资本借贷,借贷问题

RESEARCH ON PRIVATE CAPITAL LENDING

PROBLEMS OF SMES

ABSTRACT

Since reform and open policy,our country economic grows rapidly,especially

Nongovernmental Enterprises more show a thriving vitality. China's small and

medium-sized enterprises in promoting scientific and technological progress, economic

growth, increasing employment, expanding international trade,etc., plays an important

role in the development of the national economy.

With the development of economy, it is difficult for the majority of small and

medium-sized enterprise (smes) in scale and financial institutional constraints to get

financial support from a regular stock,bond market,facing the financing difficult

problem. The shortage of funds become the bottleneck restricting the development of

smes. Private lending provides financial support to smes,which plays a positive role in

alleviating the financing difficult problem,and makes up the defects of the formal

financial institutions.

With the scale of folk capital in China grown,by lack of normative management

mode and strict legal system constraints,and mainly relying on moral and credit and

been free from the formal financial system for a long time, folk financial were easy to

produce moral risk. Especially since 2011,due to slower China's economic growth,

coupled with the influence of monetary policy and the international financial and

economic situation, the money supply more nervously. In some private capital

borrowing active area, the capital chain rupture phenomenon appeared. Some smes fail

due to unable to repay loans or even months interest, even business owners defaulted

Sincereform and open policy,our country economic grows rapidly, especially

Nongovernmental Enterprises more show a thriving vitality. China's small and

medium-sized enterprises in promoting scientific and technological progress, economic

growth, increasing employment, expanding international trade, etc.,plays an important

role in the development of the national economy. Andso on and so forth, private lending

market crisis erupted.

Paper chooses smes in-depth study of private capital lending problems,through the

analysis of the status and characteristics of private lending, the current existing

problems in China in recent years,and then puts forward the Suggestions to solve the