民间借贷的组织化效率：山东省首家市级民间融资登记服务中心案例

摘要

本文通过对山东省首家市级民间融资登记服务中心的分析后认为，由政府主导的俱乐部性质的组织化管理安排，能够制定有效的外部规则，实现政府与市场的合理互动。其成功的运作，能够提高自发、无序发展的小额民间资本融资对接效率，促进民间融资市场规范化、阳光化发展。在当前民间融资风险频发背景下，具有较强的现实指导意义。%Based on the study of the Shandong’s first municipal Private Financing Registration and Service Cen-tre,this paper regards the center as a government-led institutional arrangement. Clubs in nature,it can make effective external rules, achieve a reasonable interaction between the government and the market. Its successful operation will improve the efficiency of financing but about spontaneous and disorderly capital, promote the private financing mar-ket's standardization and sunny development. Under the background of the risk-prone private financing,the center is of strong practical significance.