【摘要】 2015年底,"e租宝事件"曝光引发轩然大波。针对此事,更多的目光聚焦在非法集资犯罪或者P2P网络贷款平台监管上。文章另辟蹊径,以此事件为切入点,着力探讨现阶段民间借贷行为出现的问题及其症结所在,准确界定民间借贷的概念、特点及社会性特征。并针对这些问题结合我国的具体国情以及政策支持,从改革金融管理体制、优化社会融资平台、提高金融借贷企业准入门槛、创新资产处理方式等方面探讨加强民间借贷行为监管和规范的对策。更多还原

【Abstract】 By the end of 2015,the exposure of"e rent treasure event"caused a quite disturbance. For this matter,more atten-tion focused on illegal fund-raising crime or P2 P network lending platform supervision. This paper tries to look for the otherways,taking this event as the starting point,focuses on discussions of private lending behavior problems and the crux of theproblems at the present stage,and accurately define the concept,characteristics and social characteristics of private lending.And in light of these problems,the paper,combining with Chinese specific national conditions y and policy support,exploresthe countermeasures to strengthen supervision and regulation of private lending behavior from the reform of financial manage-ment system,the optimization of the social financing platform,the improvement of financial lending business access thresh-old and the innovation way of handling assets,etc.更多还原