随着市场经济的发展，民间借贷逐渐壮大，弥补了正规金融的不足，促进了民营中小企业的发展。但我国政府对民间借贷的长期严格压制，使我国民间借贷一直处于非法边缘，缺乏专门的法律法规对其加以监督和引导，给我国金融市场的发展带来许多不稳定因素，蕴藏了巨大的金融风险，影响了我国经济和社会的发展。本文将从我国民间借贷的发展现状入手，分析其发展形式、规模与特征，总结在其发展过程中存在的缺陷，挖掘其缺陷的成因，并结合其他民间借贷发展状况良好的国家或地区的成功经验，有针对性的对我国民间借贷的监管提出完善的建议。

As the development of the market economy, Folk Lending expands unceasingly. It greatly makes up for the lack of formal finance, promoting the development of small and medium-sized private enterprises. However, Folk Lending activities have been suppressed by our government for a long time. Folk Lending is illegal to force the edge, and China has been lacked of special laws and regulations of Folk Lending, Which brought unstable factors and huge risk to the financial markets, affecting the development of China’s economic and social. This paper will study from the development situation of the Folk Lending, analyzing its development form, size, and feature, summing up the existing defects and the causes, combining other country’s or region’s successful experience, and putting forward the suggestions to perfect our supervision of Folk Lending.