经济体制改革以来，民间信贷愈演愈烈，呈不断膨胀势态。具体表现在：一是信贷资本规模不断扩大，据统计，1995年民间信贷规模已经达到1000亿元，是1994年的2倍①。二是活动范围愈来愈广，民间信贷活动由农村、农业、生产领域不断向城镇、非农产业、生活领域渗透。三是融资形式 Since the reform of the economic system, the non-state credit has intensified and has been constantly expanding. The concrete manifestation is as follows: First, the scale of credit capital is constantly expanding. According to statistics, in 1995 the scale of private credit reached 100 billion yuan, twice that of 1994. Second, the scope of activities is getting wider and wider. The non-governmental credit activities are continuously infiltrating into the fields of towns, non-agricultural industries and living areas from rural areas, agriculture and production. Third, the form of financing