改革开放以来,我国民间借贷一直比较活跃。资料显示,近几年我国民间借贷正以其借贷亲情化、换贷自由化的特点呈快速发展之势,借贷额已高达数千亿元,国内仅某省的民间资本就有83000万元之巨。民间融资可以说是国家社会经济正常的“循环流转”以外的一种独立存在的“储蓄与投资”形式。 Since the reform and opening up, China’s private lending has been more active. Statistics show that in recent years, China’s private lending is characterized by its own loaning and borrowing, the rapid development of lending liberalization, lending has reached hundreds of billions of yuan, only a province of private capital there are 830 million yuan huge. Private financing can be said to be an independent form of “savings and investment” other than the “circulation and circulation” of the country’s social economy.