民间借贷系指与金融机构的借贷相对而言的公民之间、公民与法人之间、公民与其它组织之间的借贷。从本质上来看,民间借贷与金融机构的借贷一样,是一种以获得资金为目的的融资方式。作为一种经济现象,它一直存在于社会生活之中;作为金融机构借贷的补充,它在国家银根紧缩的政策下愈显重要;作为一种民事法律行为,我国规制、引 Private lending refers to borrowing between citizens, citizens and legal persons, citizens and other organizations relative to the lending of financial institutions. In essence, private lending, like borrowing from financial institutions, is a form of financing for the purpose of obtaining funds. As an economic phenomenon, it has always existed in social life; as a supplement to the borrowings of financial institutions, it becomes more and more important under the policy of monetary tightening; as a kind of civil legal act, our country’s regulation and guidance