温州“跑路潮”之后,又曝出了鄂尔多斯民间借贷崩盘致使老板自杀的消息,一时间,民间借贷市场陷入空前的恐慌气氛之中。民间借贷行为是否受法律的保护?民间借贷与非法集资有哪些区别和联系?作为出借方如何保护自己的财产?作为融资方,又该怎样防范自己触碰法律底线?带着这些问题,本刊记者采访了北京市朝阳区人民法院刑二庭的曹作和法官。 Wenzhou “running wave ”, but also exposed the Ordos loan boring caused the boss suicide news, for a time, the private lending market into an unprecedented atmosphere of panic. Whether private lending behavior is protected by law? What are the differences and connection between private lending and illegal fund raising? How can lenders protect their property as lenders? How can we prevent ourselves from touching the legal bottom line as lenders? With these questions, The reporter interviewed Cao Chaobin and the judge of the Criminal Court of Chaoyang District People’s Court in Beijing.