民间借贷融资投资方式原本是对局部地区经济发展的有益补充。但是随着市场快速发展,企业对资金的需求加剧,传统长周期低效率的正规金融机构融资渠道已不能满足其需求,催生民间借贷之火蔓延,尤其是在浙江温州一带“热钱”地区。因此,从历史到现状追根求源地研究民间借贷问题对稳定金融、经济尤为重要。 Private lending financing investment was originally a beneficial supplement to the economic development in some areas. However, with the rapid development of the market, the demand for funds by enterprises has intensified. The traditional long-term and inefficient financing channels of formal financial institutions can no longer meet their needs and the fire of private lending spread, especially in the hot money area of ​​Wenzhou, Zhejiang Province . Therefore, it is particularly important to study the issue of private lending from the historical to the current status quo in order to stabilize finance and economy.