民间借贷的法律规范亟待完善王体浩一、民间借贷与乱集资《民法通则》从立法上规定了民间债权债务的保护原则，此后，最高人民法院发布的一系列司法解释逐步明确了民间借贷的主体、利率和用途范围。最高法院“关于贯彻执行《民法通则》若干问题的意见”中，关于公民之间的... The legal norms of private lending urgently need to be improved Wang Hao First, private lending and indiscriminate financing “General Principles of Civil Law” from the legislative provisions of the principle of protection of civil claims and debts, since then, the Supreme People’s Court issued a series of judicial interpretations gradually clarified the main body of private lending , Interest rate and range of uses. Supreme Court “on the implementation of” General Principles of Civil Law “on the views of a number of issues”, on the relationship between citizens ...