中文摘要：

近年来，非正规金融违规借贷广泛存在，其涉及地域广、行业多、影响范围广。文章基于成因分析的结果上，对2011年110起非正规金融违规借贷案例加以检验分析，得出高利贷、私营企业融资供不应求以及金融体制不健全是导致借贷纠纷最主要的原因。因此，规避高利贷行为、拓宽私营企业融资渠道、加强金融监管是引导非正规金融健康发展的有效措施。

英文摘要：

In recent years, the informal financial illegal lending widely exists in many regions and affects many industries and causes a lot of victims. Based on cause analysis, this article tested 110 borrowing disputes in informal financial market of 2011, concluded that the usury, the private enterprise financing in short supply and imperfect financial system are the main reasons of borrowing disputes. Therefore, circumvent the usury behavior, broaden the financing channels of private enterprise, strengthen financial regulation are the effective measures to guide the healthy development of informal finance.