民间借贷作为金融机构的补充,在我国民间经济中发挥了重要作用,但民间借贷由于缺乏监管,规范性较低,易产生经济纠纷。近几年来,民间借贷中债务人因无力偿还借贷款额而引发了一系列信贷危机惨案,尤其是“跑路”现象日益严重,探析民间借贷“跑路”盛行背后的原因、找到民间借贷“跑路”的问题并对民间借贷进行规范显得日益重要。 As a complement to financial institutions, private lending plays an important role in the non-governmental economy of our country. However, due to the lack of regulation and low standardization, private lending can easily lead to economic disputes. In recent years, the debtors in private lending due to the inability to repay borrowings led to a series of credit crisis tragedies, especially the “running way” phenomenon is increasingly serious, to explore the reasons behind the prevalence of private lending “running way Lending ”running way " issues and regulate non-government borrowing is increasingly important.