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民间借贷,即发生在公民之间,公民与非金融机构的法人及其他经济组织之间的借贷,是出借人将一定数量的货币交付给借用人,借用人按照约定期限将同等数量的货币(也可附加利息)返还给出借人的行为。随着社会主义市场经济的建立,民间借贷活动在广大城乡日益增多。它对缓解国家借贷资金不足的矛盾,促进社会经济的发展以及公民之间互通有无、调剂余缺、改善生产、发展生产等均起到一定的作用。但是,由于有些当事人不懂得运用法律武器维护自己的合法权益,在借贷还贷欠债讨债中引发出许多矛盾和纠纷,有的甚至造成悲剧。
Private lending, that is, borrowing between citizens, legal persons of citizens and non-financial institutions and other economic organizations, is the borrower who delivers a certain amount of money to the borrower who borrows the same amount of money Can also add interest) return to the borrower’s behavior. With the establishment of a socialist market economy, private lending activities have been increasing in most urban and rural areas. It plays a role in alleviating the contradiction of insufficient funds for national lending, promoting socio-economic development and interoperability among citizens, adjusting the remaining gaps, improving production and developing production. However, since some parties do not know how to use legal weapons to defend their legitimate rights and interests, many contradictions and disputes have arisen in the debt collection and loan-debt collection, some of which have even caused tragedies.