时下’随着央行第七次降低存款利率’在农村一些地方’民间借贷之风又盛行起来。由于民间借贷绝大部分是以秘密的·自由的方式进行’极少办理有关法律手续’使得民间借贷纠纷越来越多。据笔者调查’民间借贷引发的纠纷主要表现在四个方面¨一是合同纠纷。借贷双方在签订合同时 Nowadays, as the central bank reduces the deposit rate for the seventh time in some places in rural areas, the style of private lending flourishes. As the vast majority of private lending is conducted in a “secret and free manner”, “few relevant legal formalities” have resulted in more and more non-governmental loan disputes. According to the author’s investigation, disputes caused by private lending mainly show in four aspects: First, the contract dispute. Both lenders and borrowers sign the contract