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1、夭滓財琢夫學球江烽院内容摘要改革开放以来，温州民营经济获得了快速的发展，随着民营经济的快速发展，温州的民间借贷市场也逐渐发展起来，规模日益扩大，并成为温州乃至周边地区企业融资的重要来源。温州民间借贷市场的快速发展，其主要的基础条件在于温州地区发达的民营经济与民营资本力量，加上高效的借贷体系运作，使得民间借贷市场迅速发展起来。然而，受到借贷成本过高、宏观经济环境出现变化、市场体系建设不完善、企业与投资者投资能力不强等方面原因的影响，2011年温州民间借贷市场爆发了严重信贷危机，民营企业家陷入债务困境，银行不良贷款率飙
2、升。加强民间借贷市场的规范性建设，成为了促进温州民间借贷市场健康发展的关键。为此，本文将从温州民间借贷市场的发展现状为切入点，通过对温州民间借贷市场发展特点以及条件的研究，对温州民间借贷市场发展中存在的问题进行深入分析，指出温州民间借贷市场中存在的问题加重了企业的负担，破坏了金融市场的正常发展，扰乱了市场秩序，为此，我们需要通过通过加强民间借贷立法，完善市场检测体系建设，加强金融创新，完善金融服务体，构建民间借贷风险预警机制等方面的措施，来促进民间借贷市场的健康发展。关键词：民间借贷；信贷风险；金融监管Abstra
3、ctSincethereformandopeningup,Wenzhouprivateeconomyhasgainedrapiddevelopment,withtherapiddevelopmentofprivateeconomy,Wenzhoufolklendingmarkethasgraduallydeveloped,theincreasingsize,andbecomeanimportantsourceofenterprisesinWenzhouandthesurroundingareafinancing・T
4、herapiddevelopmentofWenzhouprivatelendingmarket,itsmainbaseinWenzhouareadevelopedprivateeconomyandprivatecapitalstrength,creditsystemandefficientoperation,theprivatelendingmarketdevelopedrapidly.However,affectedbytheborrowingcosts,themacroeconomicenvironmentch
5、anges,theconstructionofthemarketsystemisnotperfect,enterprisesandinvestors1abilityisnotstrongandotherreasons,theoutbreakofaseriouscreditcrisisin2011Wenzhoufolklendingmarket,privateentrepreneursintodebtpredicament,banknon・performingloanratesoared.Tostrengthenth
6、enormsofprivatelendingmarketconstruction,hasbecomethekeytopromotethehealthydevelopmentofprivatelendingmarketinWenzhou.Therefore,thisarticlefromthecurrentsituationofthedevelopmentofWenzhouprivatelendingmarketasthebreakthroughpoint,throughthestudyofthecharacteri
7、sticsofthedevelopmentofWenzhouprivatelendingmarketandconditions,in・depthanalysisoftheexistenceofWenzhouprivatelendingmarketdevelopmentissues,pointsouttheexistingproblemsinWenzhouprivatelendingmarketaggravatetheburdenoftheenterprise,destroyedthenormaldevelopmen
8、tofthefinancialmarket,disruptedthemarketorder,therefore,weneedtostrengthentheprivatelendingthroughlegislation,improvetheconstructionofdetectionsystemofmarket,strengthenfinancialinn
