最近笔者在农村进行经济需求调查时发现,有村民362户的某村,每年贷款仅有5户,资金需求总额不到30万元。但经进一步了解发现,这一带民间借贷非常活跃。每年民间借贷款都在百万元以上,并且借贷方式发生了巨大变化。 When I conducted an economic needs survey in rural areas recently, I found that there are 362 households in a village with only 5 loans each year, and the total demand for funds is less than 300,000 yuan. However, after further understanding, private lending in this area was very active. Every year private borrowings are more than one million yuan, and borrowing has undergone tremendous changes.