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近年来,我国民间借贷活动在社会生活中频繁发生,民间借贷迅速成为社会关注的焦点。本文试从民间借贷的概念,发展现状,以及法律的规制三个方面分析民间借贷存在与发展的重要性。其中,对民间借贷的法律规制主要集中讨论民间借贷市场的主体准入、民间借贷的资金来源以及民间借贷的利率限制。
In recent years, private lending activities in our country frequently occur in social life, and private lending has quickly become the focus of attention in the community. This article tries to analyze the importance of the existence and development of private lending from three aspects: the concept of private lending, the status quo of development and the regulation of law. Among them, the legal regulation of private lending mainly focuses on the main body of private lending market access, sources of funding for private lending and interest rates on private lending restrictions.