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2001年鄂尔多斯撤盟建市,在随后的近十年时间里,经济快速发展,当地的人均收入也快速增长,民营的中小公司也爆发式地涌现出来,从而形成了对资金的供需两旺,加之由于缺乏合理的政府引导和便捷的投资环境,当地的大量资金涌入房地产和无序的民间借货领域,给当地经济的健康发展带来了很大挑战。本文将从民间借货的起源谈起,分析我国当前民间借货的现状与特点,并以鄂尔多斯地区民间借贷为例,最终提出一些解决此问题的意见和建议。
In the following decade, the rapid economic growth led to the rapid growth of per capita incomes in the Ordos. As a result, the privately owned small and medium-sized companies emerged explosively, forming a prosperous supply and demand of funds. In addition, due to the lack of reasonable government guidance and convenient investment environment, a large amount of local capital influx real estate and disorderly areas of private borrowing, the local economy has brought great challenges to the healthy development. This article will talk about the origins of private lending, analyzing the current status and characteristics of our country’s private lending, and taking the private lending in the Ordos as an example, finally put forward some opinions and suggestions to solve this problem.