防范民间借贷风险的对策选择  

DISCUSSION ON THE CHOICE OF GUARDING THE PRIVATE LENDING RISK

作　　者：胡乃武[1] 万晓芳[1] 

机构地区：[1]中国人民大学经济学院,北京100872

出　　处：《经济理论与经济管理》2011年第11期15-19,共5页Economic Theory and Business Management

摘　　要：当前民间借贷风险爆发已经引起全社会的高度关注,且业内外判断本轮民间借贷必有部分资金来自银行贷款。本文结合理论研究、银行信贷管理经验并经过深入调研,认为本轮民间借贷潮中,银行资金流入民间市场更多的是个人贷款资金直接流入或通过借款人投资的小贷公司、担保公司曲线流入形成的,而缺乏严格的个人贷款额度测算管理造成过度授信是问题的根源,进而本文提出解决的途径须从两方面入手:一是监管部门加强个人贷款额度的测算监管;二是商业银行完善个人贷款额度测算管理。The risk of private lending already aroused the entire society＇s high worry. It was a reasonable guess that part of private lending came from bank loans. By fundamental research and field investigation, this paper concluded that the fund of bank loans flowed into private lending market, mostly through the channel of personal loans or small loans companies whose shareholders were the borrowers of bank loan. The root of the problem was lacking of the reckoning management of personal loans. This paper proposed that the supervisory department should strengthen regulatory requirements on personal loans and commercial banks should improve their reckoning management.

关 键 词：民间借贷 风险 银行资金 个人贷款测算管理 

分 类 号：F832.4[经济管理—金融学]