农户民间借贷这种在农村普通存在且历史悠久的借贷方式,存在着诸多法律问题,规范农户民间借贷行为势在必行随着改革开放的深入贯彻落实,农村经济社会正发生着翻天覆地的变化。在金融机制日益完善的今天,尽管正规金融机构为农村经济社会的发展提供了安全有保障的借贷渠道,但是农户民间借贷这种古老且非正式的融资方式经久不衰,依然普遍存在,必然有其独特的存在价值。农户民间借贷长期存在的必然性正规金融机构的贷款成本高。此处的成本并不仅指借贷资金成本,还包括时间成本、满意度成本。正规金融机构贷款利率高已是不争的事实。在时间成本上,从商业银 There are many legal problems that exist in the rural areas, such as private lending by farmers. It is imperative to regulate the private lending of farmers. With the thorough implementation of the reform and opening up, the rural economy and society are undergoing earth-shaking changes. With the improvement of the financial system, although the formal financial institutions provide a safe and guaranteed channel for the development of the rural economy and society, the ancient and informal means of financing private loans by farmers are still ubiquitous and inevitable. Its unique value of existence. Long-standing inevitability of private lending to farmers High costs of lending to formal financial institutions. The cost here does not mean just the cost of borrowing money, but also the cost of time and the cost of satisfaction. It is an indisputable fact that the lending rates of formal financial institutions are high. Time costs, from commercial silver