随着银行放贷的逐渐收紧,很多急需用钱的个人或是中小企业更多地将目光转向亲朋好友甚至是“地下钱庄”。从民间借贷双方的动机来看,贷款者看中高利息而乐意为之,借款人因中意借贷手续简便而愿意为之。近期笔者从某市人民法院民事审判庭获悉,目前,在个人信用体系还没有有效建立的条件下,相当一部分的借贷双方疏于 As bank lending tightens, many individuals in urgent need of money or small and medium-sized businesses turn more attention to friends and relatives and even to “underground banks.” From the perspective of the motives of both private lenders and borrowers, lenders are willing to pay high interest rates and are willing to do so. Borrowers are willing to do so because of the convenience of the Sino-Italian lending procedures. Recently, the author learned from a civil court in a people’s court of a city that at present, under the condition that the personal credit system has not been effectively established, a considerable number of borrowers and lenders are neglected