商人借贷是商人在经济上的一种融资活动,就其融资性质来说,可称为商业性借贷。从交易的角度看,商人借贷是借贷商人与放贷者之间的一种经济活动,这种经济活动的实现取决于贷、借双方的合意,因而商人借贷的途径事实上表现为商人可以向哪些社会单位借贷、或者说哪些人向商人放贷的问题。在传统社会中,商人借贷的途径与商业性借贷的发展有直 Merchant lending is a financial activity of a businessman in terms of its financing, which can be called commercial borrowing. From a transactional point of view, merchant borrowing is an economic activity between a borrowing merchant and a lender. The realization of such economic activity depends on the loan. By the agreement of both parties, the means of merchant borrowing actually represent what merchants can Social units to borrow money, or what people lending to businessmen. In traditional societies, the ways in which businessmen borrow money are directly linked to the development of commercial lending