一、作为一种合理存在的民间借贷(一)民间借贷及其态样民间借贷是指公民、法人或其他组织之间基于双方当事人的共同意思表示而形成的一种借贷关系的行为总称。它属于民法中的合同行为,因此,借贷行为的关键是双方意思表示真实下的合意。是否合法不是判断民间借贷行为的标准,即使超过了中国人民银行规定的四倍利率,也不意味着该行为不是民间借贷行为。民间借贷是一种不 First, as a reasonable existence of private lending (a) of private lending and its style of private lending refers to the citizens, legal persons or other organizations based on the common expression of both parties formed a general statement of the loan relationship. It belongs to the contractual acts in civil law, therefore, the key to the act of lending is that the two parties mean to express the true consensus. Whether the law is valid or not is not a criterion for judging private lending behavior. Even exceeding the four-fold interest rate set by the People’s Bank of China does not mean that the act is not a private lending act. Private lending is a kind of no