民间借贷,是中国社会存在已久的一种金融活动。随着现代经济发展尤其是近年来金融社会化的变革,民间借贷活动日益活跃,但其法律规制却处在严重缺位的地步。不仅严重影响民间金融健康发展,也影响了民间借贷纠纷的公平处理,甚至影响到了银行业金融机构正常金融活动。为满足人民群众对借贷安全和公平正义的追求、满足广大中小微企业对阳光融 Private lending is a long-standing financial activity in Chinese society. With the development of modern economy, especially the socialization of finance in recent years, the activity of nongovernmental lending has been increasingly active. However, its legal regulation is in a serious absence. It not only seriously affected the healthy development of non-governmental finance, but also affected the fair treatment of non-government loan disputes and even affected the normal financial activities of banking financial institutions. In order to meet the people’s pursuit of loan safety and fairness and justice, to meet the majority of small and medium enterprises to melt the sun