《今日新疆》杂志社编刊部:我去年生意上周转金不够,因急需用钱,就向朋友借了8万元钱,约定钱分4次付给我,当时打了借条。前一段时间,有人对我说,私人之间的借款行为法律不保护,还不还、认不认账,只能靠个人的良心了。我的朋友听说后,心里也忐忑不安了。请问,私人之间的这种借贷关系是否受法律保护?国家对于私人之间的借贷行为有什么具体的规定吗?育麟源 “Today's Xinjiang” magazine editorial department: Last year, last year's business transfer of funds is not enough, due to the urgent need for money, borrowed 80,000 yuan from friends, agreed to pay me four times, was playing an IOU. Some time ago, someone told me that the law of borrowing between private individuals is not protected by law. My friend was disturbed after I heard about it. Excuse me, does this kind of loan relationship between private individuals be protected by law? What specific provisions does the country have for private lending behavior?