民间借贷：现状、影响及合法性探讨

近年来我国的民间借贷市场空前活跃，其在市场规模、表现形式、投资方向及借贷利率等方面呈现出新的特点。民间借贷在为中小企业解决融资难题、发挥积极作用的同时，也对借贷企业的健康发展、国家金融秩序及社会稳定造成了一定的负面影响。对民间借贷进行规制应先探讨民间借贷的合法性，这对推进民间借贷的规范化和法制化具有一定的理论和实践意义。

Private Lending: Present Situation, Influence and Legitimacy

The private lending market has been thriving in China in the past tew years, new enaracterlsucs seell in the fields including market scale, form of expression, investment direction and lending interest rates. While private lending provides active solution to the financing problems of small and medium-sized enterprises, it causes negative influence on the development of the borrowing enterprise, national financial order and social stability. The first issue to be discussed concerning private lending is its legitimacy, which is of theoretical and practical significance to push forward the private lending standardization and legalization.