长期以来,我国农村民间借贷一直处于“虽不禁止,但也不鼓励”的状况。随着农村经济的发展,有的地区民间借贷呈上升趋势。作为银行、信用的补充,它为农村经济发展也作出了不小的贡献。但民间借贷操作手续过于简单,运作机制极不规范,也潜在着很大的金融风险,如何规范、治理并能发挥其作用,应引起有关部门的高度重视。 For a long time, China’s rural private lending has always been “not prohibited, but not encouraged” situation. With the development of rural economy, private lending in some areas is on the rise. As a supplement to banks and credit, it has made a significant contribution to the development of rural economy. However, the procedures for handling non-governmental loans are too simple, the operation mechanism is extremely non-standard, and there is also a great potential for financial risks. How to regulate, govern and exert their role should draw the attention of relevant departments.