引言民间借贷在我国各地区以各种形式存在,由于不同民族在历史渊源、生产方式、语言、文化、习俗等方面有着不同的特征,使得各民族在经济活动中不同程度地表现出一些本民族特色。其中,在伊斯兰文化影响下的我国穆斯林民间借贷因其独特的经济视角和价值观念,在穆斯林地区的经济和社会发展中发挥着积极作用,穆斯林民间借贷已逐步引起学术界及相关部门的关注。近年来,国内民间借贷呈现快速发展的态势,针对民间借贷的研究也随之活跃起来,产生了诸多有关民间借贷的研究成果。但是这些研究成果也存在一些不足。首先, Introduction Non-government loans exist in various forms in various regions of our country. Due to their different origins, modes of production, languages, cultures and customs, different nationalities have different characteristics in their economic activities and thus show their own nationalities in varying degrees in their economic activities Features. Among them, under the influence of Islamic culture, our country’s folk non-governmental loans play an active role in the economic and social development of the Muslim region due to its unique economic perspective and values. The non-governmental loans by Muslims have gradually drawn the attention of academics and relevant departments. In recent years, the domestic private lending has shown a rapid development trend, and the research on private lending has also been active. Many research results on private lending have been produced. However, there are some deficiencies in these research results. First of all,