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一、民间借贷的概念作为一种传统借贷方式的民间借贷在我国拥有悠久的历史,从其产生至今呈现一种上升的趋势,因为它是一种灵活的资金周转方式,对个人的投资理财和企业的再生产都具有巨大的积极作用。民间借贷主要是指非金融机构的个人、家庭、企业及其他经济主体间为解决资金需求而自发形成的进行中、短期以货币资金为标的的价值让渡及还本付息的以盈利为目的金融行为。其实质是一种处于国家官方监管之外的资金筹集活动。
First, the concept of private lending Civil lending as a traditional way of lending in our country has a long history, since its emergence presents a rising trend, because it is a flexible way of working capital, personal investment and financial management and Reproduction of enterprises has a huge positive effect. Private lending mainly refers to the profit-making for the purpose of solving the capital needs of individuals, families, enterprises and other economic entities that are spontaneously formed during the medium-term and short-term monetary transfer of capital and the repayment of their principal and interest Financial behavior. In essence, it is a fund-raising activity outside the official state regulation.