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1、AbstractPrivatelendingasanimportantsupplementtoformalfinance,withitssimple,fast,andflexibleadvantage,becomeanimportantforceofprivatefinancing.Inthecontextoftherapiddevelopmentoftherealeconomy,bythemonetarytighteningpolicy,financingchannelsforSMEsbecauseofthenarrowbanklendingdifficult
2、ies,fundingneedscannotbemet、whilethelackofareasonableinvestmentchannelsaroundfreecivilidlefunds,leadingtoavarietyoffactorssuperimposedprivatelendingmadnessspread.Sincethelawvague,lackofsupervision,privatelendinginevitablespontaneity,blindness,seeksprofit,Gregoryphenomenonsignificantl
3、yincreasestheriskofprivatelending,butalsothebreedinggroundforallkindsofillegaleconomicintereststograbeconomiccrimes,adverseimpactontheeconomyandsociety.Basedontheeconomiccrimepreventionandcontrolcenterforresearchinourcountryfolklending,fromtheperspectiveoftheoryandpractice,combiningt
4、heinterviewtranscripts,questionnairesandjudicialcase,thesituation,thedevelopmentstatusandforprivatelendinginvolvestheeconomiccrimehascarriedonthethoroughanalysis,finallyputforwardthereasonableandfeasiblepreventionoffolklendingeconomiccrimeinvestigationcountermeasuresandgeneralprevent
5、ionadvice.Inthispaper,thetextisdividedintosixparts,themaincontentisasfollows:ThefirstpartisanoverviewofChina'sprivatelending•First,theliteraturereviewsummarizestheconceptofprivatelending,theauthorputsforwardtheconceptofprivatelendinganalysis.Secondly,inouranalysisofthereasonsforpreva
6、lenceofprivatelending.Then,summarizestheprivatelending9roleinoureconomicdevelopment.Finally,theprivatelendingtoChinamacro-economicandsocialnegativeimpactsandrisks•ThesecondpartisthedevelopmentstatusofChina'sprivatelending.First,thecombinationofrealisticdevelopmentwillbedividedintopri
7、vatelendingprivatelendinginthetraditionalsenseandP2Pnetworksborrowing,andconductedageneralintroduction•Thencombineinterviewtranscriptsandquestionnaire,summarizesthecurrentdevelopmentstatusandcharacteristicsofChina'sprivatelending.Thethirdpartisthecharacteristicsandcausesofprivatelend
8、ingineconomi