民间借贷由于其牵扯面大、参与民事主体范围广,已然成为政府、媒体甚至学界都极为关注的社会现象。笔者认为它的成与败、得与失,将直接影响我国正在建构的商业信用,甚至会波及金融秩序的安全。在本文中,笔者试图通过对民间借贷的一些问题正本朔源,进行分析和思考,并提出对策。 Because of its extensive coverage and participation in a wide range of civil subjects, private lending has become a social phenomenon that the government, the media and even the academic community are extremely concerned about. The author believes that its success and failure, gains and losses, will directly affect China’s commercial credit is being built, and even spread to the security of the financial order. In this article, the author tries to analyze and think about some problems of private lending by analyzing the origin of the borrowing money and put forward the countermeasures.