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民间借贷是指自然人之间、自然人与非金融机构的法人、其他组织之间,一方将一定数量的金钱转移给另一方,由另一方到期返还借款并按照支付利息的民事法律行为。民间借贷是一种自发的民间融资活动,当前,市场经济环境下的民间资本流通趋向频繁化、多样化,对激活民间资金、促进民间经济发展、改善民间生产生活难题等方面,都发挥了十分重要的积极作用,它作为民间融资的一种重要形式,在目前我国社会主义市场经济体制还不太完善的
Private lending refers to the civil legal acts between natural persons, legal persons of natural persons and non-financial institutions and other organizations, transferring a certain amount of money by one party to the other party and returning the loan due by the other party according to the interest paid. Private lending is a kind of spontaneous private financing. At present, the circulation of private capital under the market economy tends to be frequent and diversified, which has played a very important role in activating non-governmental funds, promoting non-governmental economic development, and improving the problems of non-governmental production and living An important positive role as an important form of private financing. At the present time, the socialist market economic system in our country is still not perfect