民间借贷作为一种信用的补充形式,它的存在有其必然性。为了解真实情况,人民银行南昌中支组织了一次对全省民间借贷情况的调查,结果表明,民间借贷与正规金融存在此消彼长的替代效应,它的存在即有合理性和积极作用,也要看到它对社会稳定的负面影响,应将其纳入可调控和有效监管的范畴。 As a supplementary form of credit, private lending has its inevitability. To understand the real situation, PBOC Nanchang Branch organized a survey on the situation of private lending in the province. The results show that there exists a countervailing alternative effect between private lending and formal finance, and its existence is reasonable and positive. It should also see its negative impact on social stability and should be included in the scope of regulation and effective regulation.