长期以来,我国民间盛行一种以帮困济贫为目的的“互助型借贷”。在这种借贷关系中,贷款人将闲置资金无偿或以较低的利率借给相互熟悉、相互信任的亲朋,以解燃眉之急。但近年来,随着市场经济的发展和居民投资理念的提升,居民转变了陈旧的观念,常常将手中的“富余”资金作为生财的资本,向一些资金匮乏的企业及个人提供高息借贷。随着民间资本的壮大,部分发达城市尝试让这部分“民间资本”与小微 For a long time, there has been a prevalence of “mutual aid loans” aimed at helping the poor and the poor in our country. In this kind of lending relationship, lenders can relieve the urgent need to lend their idle funds to relatives and friends who are familiar with and trust each other for free or at low interest rates. However, in recent years, with the development of the market economy and the promotion of residents’ investment philosophy, residents have transformed their old concepts and often used their “surplus” funds as capital for their own production to provide high interest rates to some enterprises and individuals lacking in funds. Loan. With the expansion of private capital, some developed cities try to make this part of the “private capital” and small micro