私人互助借贷运动是３０年代后期至４０年代华北抗日根据地、解放区在废除封建高利贷剥削制度后，人民群众为克服生产生活困难而采取的一种互借互助方式，并得到党和政府的支持和推广。它对于群众的生产生活自救、抵御灾害、发展经济、增强凝聚力等发挥了重要作用。但这一运动也存在开展不平衡、强迫借贷、只借不还及个别人挥霍浪费等不足。 The private mutual aid and lending movement was the anti-Japanese base area in North China from the late 1930s to the 1940s. After the abolition of the feudal usury lending system in the liberated areas, the people adopted a form of inter-bank mutual aid to overcome difficulties in production and life and were supported and promoted by the party and the government . It plays an important role in helping the masses to achieve self-help in production and life, resist disasters, develop their economy and enhance cohesion. However, there are also some deficiencies in this campaign, such as unbalanced development, forced lending, and non-repayment of waste by individuals.