摘要:自改革开放以来，在金融投资体制深化改革中出现了两大怪像：一个是民间资本供给 十分充裕，但大多数资金处于“闲置”状态，相当一部分则流入民间借贷领域；另一个是民营企业在进一步发展中急需资金，对资本需求的欲望十分强烈，但由于自身的资产和信用状况存在缺陷而陷入融资困境。解决这种资源配置的扭曲现象是事关中国经济改革进程 发展的重要问题，必须高度重视并尽快解决。然而，应该怎样走民间借贷“正规化”的道路，成为备受关注的问题。本文运用科学研究方法进行研究，首先对民间借贷概念进行阐释，然后分析借贷危机产生的原因和带来的影响。最后对温州的民间借贷发展做了展望与评价，可以将温州引导民间借贷正规化发展的部分可行措施推广到全国，提出了一些规范民间借贷的对策和建议。

关键词: 温州民间借贷，中小企业，规范化

Abstract:Since the reform and opening up, deepen the reform of the investment and financing system to a "two cycle": an ample supply of private capital is, but most of the funds in the trouble, a considerable portion of the inflow of private lending areas; another pole Is the further development of private enterprises in urgent need of funds, demand for capital is very strong desire, but because of their own assets and shortcomings to be trapped in credit financing. A distortion in resource allocation to address this phenomenon is related to the development of China's economic reform process, important issues, we must attach great importance to and resolved quickly.This article is normative research method using the project research. Firstly illustrates folk lending concept,and then separately from the Angle of sociology and economics reveals wenzhou folk lending necessity of existence, Further analysis of the benign development of wenzhou folk lending caused obstacles and barriers exist of reasons and influence.Finally the folk lending to the development of wenzhou prospected and evaluation, can will wenzhou guiding non-governmental lending regularized development part of generalized to the practical measures, and puts forward some normative folk lending countermeasures and Suggestions.

Key Words：Wenzhou private lending,Enterprise,Standardization

　　　近年来受宏观经济环境和多种因素影响，县域金融机构存贷差在增大，一些国有商业银行甚至出现了贷款负增长，进而造成了一方面有不少资金在银行沉淀，另一方面急需用钱的农民、中小企业却得不到贷款。第一是金融机构对中小企业、个体工商户、农户贷款积极性不高：国有商业银行信贷管理体制改革，信贷权限上收，对中小企业、个体户发放贷款慎之又慎。第二是金融机构信贷门槛过高：表现在贷款手续复杂，时间长，贷款条件高。因而，那些无抵押而又急需贷款的个人（主要是农户）、私营企业、集体企业很难从金融部门获得贷款，无奈只好求助于民间借贷。最后一点是金融监管薄弱，基层银监部门监管任务重、人员少，而民间借贷又大都十分隐蔽，监管起来多少有点力不从心，有关民间借贷管理尚无明确的规定，令基层银监部门监管无章可循。