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民间借贷是指公民之间、公民与法人之间、公民与其它组织之间借贷,它具有自由性强、灵活性强和方便快捷等特点。近年来,我国民间借贷市场不断发展,同时也暴露出越来越多的问题,影响了民间借贷市场乃至整个金融市场的稳定与发展。天津市是我国四大直辖市之一,更是我国经济改革的重要示范区域,天津市民间借贷市场在规模增大、形式多样化发展的同时也出现了非法集资、P2P平台倒闭等问题。本文以天津市为例,通过对天津民间借贷现状进行分析,找出民间借贷发展过程中存在的问题,并对天津民间借贷的发展提出相应的政策建议和未来发展展望。
Private lending means borrowing between citizens, citizens and legal persons, citizens and other organizations. It has the characteristics of freedom, flexibility and convenience. In recent years, the continuous development of China’s private lending market has exposed more and more problems, affecting the stability and development of the private lending market and the entire financial market. Tianjin is one of the four major municipalities directly under the Central Government and an important demonstration area of China’s economic reform. The private lending market in Tianjin has seen the problems of illegal fund-raising and the collapse of the P2P platform. This paper, taking Tianjin as an example, analyzes the status quo of private lending in Tianjin to find out the problems existing in the development of private lending, and puts forward corresponding policy recommendations and future development prospects for the development of private lending in Tianjin.