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美国美国民间借贷的主要方式包括储蓄和贷款协会、信用合作社、互助储蓄银行和金融公司。目前,美国大约有11500多家信用合作社,2500多家储蓄和贷款协会,500多家互助储蓄银行。美国的民间借贷的特点包括:1、设立正式的民间借贷机构(或者民间金融机构),实行注册制。任何人想要设立包括储蓄和贷款协会在内的民间借贷机构的话,也必须选择在联邦注册或者选择在州注册。2、对民间借贷机构的资金来源和用途作出限制。比如,储蓄和贷款
The main forms of U.S. private borrowing in the United States include savings and loan associations, credit unions, mutual savings banks and financial corporations. At present, there are about 11,500 credit cooperatives in the United States, more than 2,500 savings and loan associations, and over 500 mutual aid and savings banks. The characteristics of US private lending include: 1, the establishment of a formal private lending institutions (or non-governmental financial institutions), the implementation of the registration system. Anyone who wants to establish a private lending institution, including savings and loan associations, must also choose to register in the Commonwealth or choose to register in the state. 2, to limit the sources and uses of private lending institutions. For example, savings and loans