These years, because of the large impact on the social economy and the inefficacy of the government economic policy, the development of folk loan has become an issue discussed by financial field.

• 近几年来，我国民间借贷的发展成为了金融界讨论的热点，因为地下的民间借贷已经对社会的经济产生了巨大的影响，导致政府经济政策失控，成为不可忽视的重要问题。