近年来,由于社会传统和国家信贷政策的影响、利益的驱动以及法律规定的不完善,民间借贷纠纷越来越多、愈演愈烈。这主要体现在审判机关的立案数量上年年攀升。审理过程中发现存在的问题及可能引发的风险亟待引起重视。要解决这个问题,需要立法机构、政府机关、金融部门、审判机关等社会各方的共同努力。 In recent years, due to the influence of social traditions and national credit policies, the drive of interests and the imperfect laws, the disputes on private lending more and more intensified. This is mainly reflected in the increase in the number of judicial organs filing year after year. The problems found during the trial and the risks that may arise should be given due attention. To solve this problem, we need the joint efforts of all the parties in the society, including the legislative organs, government agencies, financial departments and judicial organs.