民间借贷长期在灰色地带游走,不规范、不透明的特性决定了其风险隐患极大,但又因存在暴利空间而吸引着放款者趋之若鹜。民间借贷的兴起源于“银行门难进民钱难觅”的状况。如何对民间借贷规范化进行引导,使其规范化、公开化,已成为亟待解决的重要问题。 Private lending has long been traversed in the gray area. The non-standard and opaque nature of the private lending determines its great risk potential. However, due to the huge profit space, it attracts the lenders. The rise of private lending originated from the situation that “bank doors are hard to come by for hard money”. How to guide the standardization of private lending so that it is standardized and open has become an important issue to be solved urgently.