Recently, the topic of private lending, which has been constantly seen in newspapers, shows that active private lending and private lending have a great impact on the domestic economy and people's lives. What is the current situation of private lending? Is there a huge risk? What impact does private lending have on the development of small and medium-sized enterprises and people's lives? What does active private lending reveal? Where is the development and outlet of private lending? We summarize and study these economic phenomena around us.

This paper focuses on the research and analysis of the current situation, causes, risks and difficulties, development countermeasures and outlets of private lending.

This paper adopts the research method of special research norms. The paper is divided into six parts: The first part takes Wenzhou, a typical area of private lending, as the research object, and expounds the present situation of private lending from the aspects of lending scale, interest rate, use and source; Analysis of the reasons for the active private lending: The third part analyzes the risks and difficulties of private lending; The fourth and fifth parts, the positive and negative effects of private lending on economic development; The sixth part systematically analyzes the outlet and supervision of the development of private lending.

The innovation of this paper lies in a highly comprehensive analysis of government policies, laws and regulations and the phenomenon of private lending.