民间借贷是脱离我国货币政策和金融监管机构监管之外的非正式金融,它的存在既有有益的一面,又诱发了诸多问题。本文旨在阐述民间借贷的概念和特点谈民间借贷的现状,并找出完善民间借贷的路径,对维护金融秩序具有重要意义。 Private lending is an informal finance that is free from the monopoly of China’s monetary policy and regulation of financial regulators. Its existence has both beneficial and evocative issues. This article aims to explain the concept and characteristics of private lending, talk about the status quo of private lending and find out the way to improve private lending, which is of great significance to the maintenance of financial order.