温州民间借贷利率走势进行结构突变单位根检验,发现它属于结构突变的趋势平稳过程,并确定其突变发生的时间点及结构突变形式,得出温州民间借贷利率在2004年7月间出现结构突变结论.接着运用VAR模型及相关分析技术,结合结构突变思想,分析了民间借贷利率与金融信贷间相互作用关系,最后给出相关经济结论. Wenzhou private loan interest rate trend of structural mutation unit root test and found that it belongs to the structure of the trend of a smooth process of mutation and to determine the mutation of the time point and the structure of the form of mutation, draw the private lending rates in Wenzhou in July 2004 during a structural change Conclusions.Secondly, using the VAR model and related analysis techniques, combined with the idea of ​​structural mutation, this paper analyzes the relationship between private lending rates and financial credit, and finally gives the relevant economic conclusions.