The year 2011 of our country private lending crisis caused concern. Private lending as endogenous mode of financing,for economic development,provides a more convenient and flexible capital support,but in recent years the development of private lending market blindness in our country private lending market crisis. This report through the data and graph way of combining private lending institutions of analysis operation mechanism and produce the crux of the crisis,and to the west of the private lending standard present our policy suggestions. <<