近年来,为了鼓励民营经济发展,解决小微企业融资难,民间融资在资本市场中日趋活跃,经营模式也日趋多元化、复杂化。在为民营中小型企业解决融资难的同时,由于资本天然的逐利性,在缺乏有效监管的情况下,民间借贷行为野蛮无序生长,衍生了大量的社会问题,埋下了众多隐患。民间借贷是不是“金融”民间借贷作为一种民间自发的货币融通行为,几乎与私有制 In recent years, in order to encourage the development of the private economy and solve the financing difficulties for small and micro enterprises, private financing has become increasingly active in capital markets and the business model has also become increasingly diversified and complicated. While solving the financing difficulties for private SMEs, due to the natural profit-seeking nature of the capital, in the absence of effective supervision, the private lending behavior has grown brutally and disorderly, resulting in a large number of social problems and many hidden dangers. Private lending is not “finance ” Private lending as a spontaneous monetary intermediation, almost private ownership