当前我国民间融资的疏导模式比较单一,主要为民间借贷,其他的疏导模式限制条件多,本文为此作了如下设想:立法明确规定民间融资疏导模式;鼓励商业银行成为民间融资主导性的疏导模式;确定小额信贷公司为民间融资的补充疏导模式 At present, the mode of grooming non-governmental financing in our country is relatively simple, mainly for non-government borrowing and borrowing, while other restrictive modes have more restrictive conditions. This article makes the following assumptions: Legislation clearly stipulates the mode of informal financing; encourages commercial banks to become the dominant mode of grooming private financing ; Identify microcredit companies as complementary grooming models for private financing