民间借贷作为我国正规金融借贷的一种必要补充,有其存在的合理性。由于缺乏相应的法律规范、有效的外部监管和完善的社会信用体系,民间借贷市场还存在诸多风险和不规范之处。必须通过完善立法、加强监管、强化社会信用体系建设等使其规范化、健康化发展。 As a necessary complement to China’s formal financial lending, private lending has its existence rationality. Due to the lack of corresponding laws and regulations, effective external supervision and a sound social credit system, there are still many risks and irregularities in the private lending market. We must standardize and improve our health care system by improving legislation, strengthening supervision and strengthening the building of a social credit system.