关键词: 民间借贷, 风险, 银行资金, 个人贷款测算管理

Abstract: The risk of private lending already aroused the entire society's high worry.It was a reasonable guess that part of private lending came from bank loans.By fundamental research and field investigation,this paper concluded that the fund of bank loans flowed into private lending market,mostly through the channel of personal loans or small loans companies whose shareholders were the borrowers of bank loan.The root of the problem was lacking of the reckoning management of personal loans.This paper proposed that the supervisory department should strengthen regulatory requirements on personal loans and commercial banks should improve their reckoning management.

Key words: private lending, risk, bank fund, reckoning management of personal loans