民间借贷的发展,已成为缓解民营企业资金需求的重要途径,但从一个侧面也反映了金融服务的不足,给金融业的发展带来了一定的影响和冲击。如何全面客观地认识民间借贷存在的合理性,发挥其积极作用,进而加以疏导、管理,值得高度重视。本文分析泉州市民间融资的现状、特点、成因,并提出对策思路。 The development of private lending has become an important way to alleviate the financial needs of private-owned enterprises. However, the lack of financial services is also reflected from one aspect, which has brought a certain impact and impact on the development of the financial industry. How to comprehensively and objectively understand the rationality of the existence of private lending, give full play to its positive role, and then divert and manage it, deserves our attention. This article analyzes the current situation, characteristics and causes of private financing in Quanzhou and puts forward countermeasures.