民间借贷由来已久,近年来呈现出不断膨胀的趋势.透过这种社会现象背后,有其深层次的原因.无外乎中国传统的二元经济结构根深蒂固,社会资本的信用支撑以及诚信文化的内蕴等方面的原因,且这三方面的因素相互支撑、相辅相成,共同构成民间借贷产生存在基础.“,”The folk lending has been existence very long.In recent years,it has presented the tendency of inflation increasingly.Through this kind of social phenomenon,we can make deep reasons,such as the Chinese traditional dual economic structure,social capital credit supports as well as faith culture etc.,and these three factors support mutually,making the structure of the folk lending.