我国民间借贷市场风险形成的原因和对策

近期爆发全国性民间借贷危机,一方面源自偏紧的融资政策,另一方面源自中小企业成本压力持续上升。为此,建议对货币政策适当微调,使其由目前的偏紧状态回归"稳健";放弃通过收紧房企融资渠道来调控房价的策略(长期看是无效的);通过减税降费,缓解中小企业成本上升压力;加大金融改革和开放力度,尽快将民间借贷纳入体制内管理。

Reasons for the Risk of Private Loan in China and Its Coping strategy

Crisis of private loan has occurred nationwide recently.One reason is the tightening financing policies,and the other is the uprising pressure of cost in small and medium sized enterprises.Therefore,monetary policies should be adjusted moderately,so as to return to the "stable" level from the current "tightening" level.The strategy to control house price through tightening the financing channels should be discarded.The uprising pressure of cost in small and medium sized enterprises should be eased through deductions in tax.Financing reform and opening should be strengthened,and private loan should be brought into management system.