摘要:近年来，由于常熟市有着得天独厚的地理位置优势，各类中小型企业发展迅速，使当地的经济迅速发展起来，进而民间财富迅速累积起来,导致了大量的闲散资金沉淀在民间。例如，最近几年来在常熟有名的美女老板顾春芳，因民间借贷欠下巨债而跑路。而最近几年由于房地产调控政策一直在调整，对民间借贷造成了一定的恐慌，相对应的由于民间资本大量涌入房地产市场从而削弱了调控作用。

　　　民间融资作为正规金融的补充，对如今的经济发展有着不可忽视的作用，它提高了资金的使用效率，推动了正规金融机构的改革，规范了正规金融市场的秩序。但是民间融资也存在着较大的弊端，由于缺乏有效管理，放贷规模越来越大，常熟市民间借贷频发崩盘。本文主要研究的是在房地产调控下的民间融资的一些问题，民间资本进入房地产市场的效应，以及规范民间融资的一些对策。

关键词 房地产调控；民间融资；常熟市；对策

Abstract:In recent years, because Changshu City has a geographical advantage, the small and medium sized enterprises develop rapidly that make the local economy developed rapidly and private wealth accumulated rapidly, resulting in a large number of idle funds deposited in the folk. For example, Changshu in the famous beauty boss Gu Chunfang run away by borrowing heavily in debt. But due to the regulation of real estate policy has always been in control, caused some panic of borrowing, the corresponding due to a large number of private capital into the real estate market to weaken the role .

　　　Folk financing has an important role in economic development as the supplement of formal finance. It improves the efficiency in the use of funds, promote the reform of formal financial institutions, and standardize the normal order of financial market. But the folk financing also has major drawbacks, because of the lack of effective management, and the scale is more and more big, so Changshu City folk lending frequent collapse. This paper mainly studies the problems in the real estate regulation under the effect of folk financing, private capital to enter the real estate market, as well as some policy specification of folk financing.

Keywords  The real estate regulation  Folk financing  Changshu City  Strategy

　　　常熟市在房地产调控下的民间融资主要有以下几个特点：

　　　第一，民间融资规模逐渐扩大，民间融资越来越活跃。

　　　第二，民间资本大量流入房地产市场，房地产调控效果在一定程度上被削弱，从而加剧发生民间融资纠纷的可能性。

　　　第三，民间融资存在明显的高利贷特征，房地产商需求的资本较多因此财务风险也表现的较大。

　　　第四，在房地产调控下的民间融资依旧存在较大的信用问题，违约率有明显上升趋势。

　　　另外，本文就民间融资存在的一些问题，提出了一些监管方面的建议。