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企业间借贷已经具有诸多的正当性,企业间借贷不但体现着契约自由的民法基本理念,各种外在表现形式的变换也是为实现借贷目的规避法律的理性选择。同时,企业间借贷较之于向正规金融机构借贷在信息收集、谈判签约、监督执行和救济等方面都具有节约交易成本的优势,因此在经济生活中发挥着缓解企业融资难、促进企业生存发展,推动金融体制改革,提高金融服务水平的积极作用。
The inter-enterprise lending has a lot of legitimacy. The inter-enterprise lending not only embodies the basic idea of civil law with freedom of contract, but also the transformation of various forms of external manifestation is a rational choice to evade law for the purpose of borrowing. At the same time, inter-firm lending has the advantage of saving transaction costs compared with lending to formal financial institutions in terms of information collection, negotiation, supervision and enforcement, and relief, and therefore plays a role in alleviating the difficulty of corporate financing and promoting the survival and development of enterprises in economic life , Promote the financial system reform and improve the level of financial services.