摘要随着我国经济的稳健运行，民间借贷逐渐显露出对于盘活金融市场、支持中小企业独特又重要的优势。但是民间借贷也存在着不容忽视的潜在风险：缺少系统理论支持、缺乏规范立法监督、国民风险意识有待增强。随之而来的民间借贷纠纷频发，不利于经济社会健康发展，要想推动我国经济社会高质量、健康的发展，首先就要补充和规范民间借贷的法律法规。本文通过系统的分析，寻找民间借贷的有关法律困局，发现我国民间借贷法规有所空白、监管体系不完备、民众和企业的风险意识不强这几方面的问题，提出法律体系的完善、建立有效的监管体制、提高民众和企业风险防范意识这三个法律对策。为有效防控民间借贷风险，进而削弱金融市场风险，推进我国经济社会的健康发展提供理论参考。关键词：民间借贷；困局；对策ABSTRACTWiththesteadyoperationofmycountry'seconomy,privatelendinghasgraduallyrevealeditsuniqueandimportantadvantagesforrevitalizingthefinancialmarketandsupportingsmallandmedium-sizedenterprises.However,privatelendingalsohaspotentialrisksthatcannotbeignored:lackofsystematictheoreticalsupport,lackofregulatoryandlegislativesupervision,andnationalriskawarenessneedstobeenhanced.Theensuingprivatelendingdisputesfrequentlyoccur,whichisnotconducivetothehealthydevelopmentoftheeconomyandsociety.Ifwewanttopromotethehigh-qualityandhealthydevelopmentofmycountry'seconomyandsociety,wemustfirstsupplementandregulateprivatelendinglawsandregulations.Throughasystematicanalysis,thispaperlooksfortherelevantlegaldilemmasofprivatelending,andfindsthatmycountry’sprivatelendingregulationsareblank,theregulatorysystemisincomplete,andthepublicandenterprises’riskawarenessisnotstrong.Itproposestheimprovementandestablishmentofthelegalsystem.Threelegalcountermeasures:effectivesupervisionsystemandraisingpublicandenterpriseriskpreventionawareness.Itprovidesatheoreticalreferenceforeffectivelypreventingandcontrollingprivatelendingrisks,therebyweakeningfinancialmarketrisks,andpromotingthehealthydevelopmentofmycountry'seconomyandsociety.Keywords：Privatelending；Dilemmaan；countermeasures目录第1章引言.......................................................11.1研究背景及意义...............................................11.2文献综述......................................................21.2.1国内研究现状..............................................21.2.2国外研究现状..............................................21.3研究内容......................................................31.4研究方法......................................................3第2章民间借贷概述...............................................52.1民间借贷的法律界定............................................52.1.1民间借贷的定义.............................................52.1.2民间借贷的分类.............................................62.2民间借贷的发展现状.............................................62.2.1民间借贷发展网络化.........................................62.2.2民间借贷风险扩大化.........................................7第3章民间借贷的法律制度现状.....................................83.1法律法规司法解释..............................................83.1.1法律法规梳理...............................................83.1.2司法解释梳理...............................................83.2民间借贷的法律困局............................................93.2.1民间借贷法律体系不完整.....................................93.2.2民间借贷监管不到位.........................................103.2.3民间借贷风险意识薄弱..........
