民间融资是一种基于民间信用关系的资金供求往来,相对正规金融而言,民间融资是一种游离于国家金融体系之外的融资方式。随着我国国民经济的快速发展,县域民间融资日益活跃,已成为一些企业和个人融资的重要渠道。民间借贷作为一种融资方式,具有利率高、收益大、贷款手续简便等优点,对以个体工商户和私营企业为主体的经济组织的资金短缺困境起到了有效的调剂 Private financing is a supply and demand of funds based on private credit relations. Compared with formal finance, private financing is a kind of financing method that is free from the national financial system. With the rapid development of our country’s national economy, the non-state financing in counties has become increasingly active and has become an important channel for some enterprises and individuals to raise funds. As a form of financing, private lending has the advantages of high interest rate, large income and simple loan procedures, and has effectively adjusted the shortage of funds of economic organizations mainly composed of individual industrial and commercial households and private-owned enterprises