摘要：党的十八大第二次会议指出:继续深化改革金融，建立健全全促进宏观经济稳定、能够支持实体经济的现代金融体系，加速发展具有层次性的资本市场，逐步推进利率和汇率市场化，实现人民币资本项目可兑换。与此同时加快民营金融机构发展和金融监管体系，推进金融创新，提高证券、银行、保险等核心行业竞争力，维护金融稳定。本文研究民间借贷中蕴藏的主要风险问题,并同时梳理民间借贷的发展,力图从发展与问题中找出对于加快多层次资本市场，建设创新全面的金融体系的启示,同时民间资本借贷作为长久以来根深蒂固的资本流通行为，已经促使民间资本市场成为金融体系中一个不可或缺的重要角色。在这个意义上，深化金融体制改革，健全金融体系将使决策者不得不将目光投向早已千疮百孔，乱象丛生的民间资本借贷。

关键词：民间资本  民间借贷  改革  稳定

Abstract: In 2012, at the second meeting of the party eighteen states: deepen financial reform, promote sound macroeconomic stability, support the development of a modern financial system of the real economy, accelerate the development of multi-level capital market, interest rate and exchange rate markets steadily reform, and gradually achieve capital account convertibility. Accelerate the development of private financial institutions. Improve financial supervision, promote financial innovation, improve the banking, securities, insurance and other industries competitiveness and safeguard financial stability. "Just to speed up multi-level capital market, private capital loan as capital flows has long been ingrained behavior has prompted private capital market has become an integral part of the financial system in an important role in this sense, deepen financial reform, sound financial system will enable policy-makers have long been eyeing riddled chaos of private capital lending.

Key words: private capital private lending reform stability