近年来,随着市场经济的迅猛发展,被称为“灰色金融”的民间借贷市场亦日益活跃,因民间借贷纠纷引发的民事诉讼逐年增加,已经对经济社会发展产生了诸多负面影响,且已成为影响社会主义新农村建设的新的不稳定因素。特别是2008年以来受国际金融危机的影响,不少企业资金链断裂,无法按期归还借款,导致民间借贷 In recent years, with the rapid development of the market economy, the private lending market, also known as “gray finance”, has also become increasingly active. Civil litigation triggered by disputes over private lending has been increasing year by year and has had many negative impacts on economic and social development. And has become a new unstable factor that affects the construction of a new socialist countryside. Especially since 2008, due to the impact of the international financial crisis, many enterprises have a broken funding chain and can not repay their borrowings on schedule, resulting in private lending