一、民间借贷的概念及其特征从我国目前的研究状况来看,学界对于民间借贷的内涵并没有形成统一的认识。学者们一般将民间借贷视为民间金融、非正规金融①的同义语。有些学者认为,民间借贷是指相对于正规金融而言,在金融体系中没有受到国家信用控制和监管当局监管的金融交易活动,包括非正规的金融中介和非正规的金融市场。②有些学者则认为, First, the concept of private lending and its characteristics From the current state of our study, the academic community for the meaning of private lending does not form a unified understanding. Scholars generally regard private lending as a synonym for private finance and informal finance. Some scholars believe that private lending refers to the financial transactions that are not regulated by the state credit control and regulatory authorities in the financial system, including informal financial intermediaries and informal financial markets, relative to formal finance. ② Some scholars think that,