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民间借贷是一种简便、灵活的融资行为,是绍兴市中小企业的重要融资渠道,在一定程度上促进了绍兴经济和社会的发展。文章通过对绍兴市的三区一市二县的600名群众进行了问卷调查,深入了解了绍兴市民间借贷的发展现状,在此基础上,总结民间借贷利率的主要特征,并提出了民间借贷利率所存在的问题,最后提出对民间借贷进行法律规制的主要建议,以期使民间借贷发挥融资作用,更好地为经济社会发展服务。
Private lending is a simple and flexible financing act and an important financing channel for small and medium-sized enterprises in Shaoxing, to a certain extent, promoting Shaoxing’s economic and social development. Based on the questionnaire survey of 600 people in two districts of three districts and one city of Shaoxing City, this article has a thorough understanding of the development status of private lending in Shaoxing City. On the basis of this, the author summarizes the main features of the interest rate of private lending and puts forward the suggestions of private lending Finally, the author puts forward the main suggestions on the legal regulation of private lending in order to make private lending play a financing role and serve the economic and social development better.