创新民间借贷模式与改善民间借贷风险的对策

摘要

This paper researches on private lending and its risks. Through an analysis oftypical private lending mode, the logic behind its development is discovered. With the guidance of relevant national policies and the help of internet financing technology, measures to improve private lending mode and reduce its risks are put forward.%在探讨了民间借贷及其风险因素的基础上，通过对典型民贷模式的分析，解读民贷模式发展的背后逻辑，最后结合国家相关政策、从互联网金融的视角提出依托互联网技术的发展、创新民间借贷模式等改善民间借贷风险的对策。