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民间借贷在中国有着悠久的历史,在其漫长的发展阶段中,既有过高峰,又经历过低谷。进入21世纪尤其是近几年民间借贷逐渐复苏,其规模呈现出上升的趋势。民间借贷如一把双刃剑,,有助于企业发展的同时,也蕴涵巨大风险。本文从民间借贷的内涵、形式,效用及存在的问题等方面分析,对民间借贷的相关法律问题进行探讨。
Private lending has a long history in China. During its long development, private lending has experienced both peak and trough. With the gradual recovery of private lending in the 21st century, especially in recent years, its scale has shown an upward trend. As a double-edged sword, private lending helps enterprises to develop while imposing huge risks. This article analyzes the connotation, form, utility and existing problems of private lending, and discusses the related legal issues of private lending.