民间信贷是最早出现的借贷形式,它是伴随商品经济的发展以及供求关系的不平衡因而发展形成的。由于农村的金融机构体系并非十分发达,尤其是四大银行撤出农村市场,以及民间信贷自身独有的特点,民间信贷成为农村借贷一种较为普遍的形式。基于民间信贷在农村所面临的资金需求大、借贷利率高、商业风险大、缺乏法律机制等现状,我们对其的发展方向进行研究,给予农村借贷一个适时有效且风险性相对较低的生存环境。 Private credit is the earliest form of borrowing, which is accompanied by the development of the commodity economy and the imbalance between supply and demand. As the system of rural financial institutions is not very developed, especially the withdrawal of the four big banks from rural markets and the unique characteristics of private credit, private credit has become a more common form of rural credit. Based on the large capital needs of private credit in rural areas, high loan interest rates, commercial risk, lack of legal mechanisms and other status quo, we study the development direction of rural credit loans to give a timely and effective rural credit environment and relatively low risk of living environment .