民间借贷指的是个人与个人、个人与企业及个人与其它经济组织之间的资金借贷行为。欠发达地区农村金融机构缺位为农村民间借贷提供了很大发展空间,在当前社会主义新农村建设大背景下,农村经济发展亟需更多资金支持。而民间借贷以其手续灵活,简便的特点颇受广大中小企业及农户 Private lending refers to the lending of funds between individuals and individuals, between individuals and enterprises and individuals and other economic organizations. The absence of rural financial institutions in underdeveloped areas has provided ample space for development of private lending in rural areas. Under the current background of building a new socialist countryside, rural economic development urgently needs more financial support. The non-government loans with its formalities flexible and easy to get the majority of small and medium enterprises and farmers