随着央行连续7次降息和国家恢复征收储蓄利息所得税,部分农民参与高息借贷之风在农村死灰复燃,且有逐步蔓延之势。这些借貸活动一是利率越来越高,年利率多在15％至25％之间。二是规模越来越大,一般多在几万或几十万。三是参与者越来越多,不仅个人、家庭被搅了进去,少数企事业单位也参与其中。四是用途越来越广,除了婚丧、子女上学、治病及建房外,还有购置大中型农机具等等。五是手续越来越简,多数无书面协议,口头借贷又无他人证明。笔者呼 With the central bank cut interest rates for seven consecutive times and the state resumed the collection of savings interest income tax, the participation of some peasants in the high-interest lending style resurfaced in the countryside and the trend of gradual expansion was emerging. The first of these lending activities is that interest rates are getting higher and higher, with an annual interest rate of more than 15% to 25%. Second, the scale is getting bigger and bigger, generally more than tens of thousands or hundreds of thousands. Third, more and more participants, not only individuals, families were stirred into it, a small number of enterprises and institutions are also involved. Fourth, the use of more and more widely, in addition to weddings and funerals, children attending school, treatment and housing, as well as the purchase of large and medium-sized agricultural machinery and so on. Fifth, the procedures are getting simpler, most without a written agreement, verbal lending without proof. I call