浅析民间借贷的缺陷及政策建议---以浙江宁波慈溪地区为例

目       录

一、民间借贷的概述···············································3

（一）民间借贷的产生及定义·····································3

（二）民间借贷的作用···········································3

二、民间借贷的缺陷---以浙江宁波慈溪地区为例······················4

（一）慈溪地区民间借贷现状调查·································4

（二）民间借贷的缺陷分析·······································8

三、规范民间借贷的几点政策建议···································9

（一）加强保护措施·············································9

（二）民间借贷的自我规范·······································9

（三）完善相关立法律法规 为民间借贷行为提供制度保障············10

内 容 摘 要

民间借贷在我国农村已经有很长的历史，民间借贷这一形势逐渐活跃、多样化，其融资范围和内容也不断扩大。然而各种形式的民间借贷所隐蔽的风险也是不容忽视的，因而，以宁波慈溪地区为例，以民间借贷现状为题进行实地调查，具有一定的现实意义。本文通过调查得出宁波慈溪地区民间借贷在老百姓生活中的普及程度，了解不同群体老百姓接触民间借贷及其进行民间借贷各种渠道及用途等情况；分析民间借贷的利弊性；对调查结果分析，从不同方面为规范民间借贷提出可行性建议。