随着经济的发展,民间资金借贷作为一种资金融通方式,在国家金融机构不能满足人们资金需求的情况下应运而生,民间资金借贷作为民间金融的具体表现形式,是指官方的正式金融体制安排之外的资金融通活动,是资金占有的一方让渡其资金使用权而向资金使用方收取一定经济补偿的行为或无偿行为。 With the development of economy, as a form of financial capital, non-governmental capital loans emerge as the times require the national financial institutions can not meet the needs of people’s capital. As a concrete manifestation of private finance, private capital loans refer to the official formal financial system Arrangements outside the financial intermediation activities, is the party who holds the funds letting the funds to use the right to use the party to receive some financial compensation or gratuitous behavior.