民间高利贷是一种具有自发性、盲目性特点的行为,在高额利率的诱发下,极易产生种种不良经济行为,给社会及人民生活带来严重危害。那么,民间借贷与民间高利贷应如何界定? 《民法通则》第90条规定:“合法的借贷关系受法律保护。”最高人民法院在《关于人民法院审理借贷案件的 The civil usury is a kind of behavior with spontaneous and blind characteristics. Under the high interest rate, it is very easy to produce all kinds of bad economic activities, which bring serious harm to the society and people’s life. So, how to define private lending and private usury? Article 90 of the General Principles of Civil Law states: “Legal lending relations are protected by law. ” Supreme People’s Court in the "People’s Court heard the case of borrowing