本文认为民间借贷作为一种社会信用补充形式,与正规金融存在此消彼长的替代效应。对民间借贷的评价,应本着实事求是、客观公正的原则,既要肯定其存在的合理性和积极作用,也要看到民间借贷对社会稳定的负面影响,并就规范民间借贷行为提出了相应的对策建议。 This paper argues that as a form of social credit, private lending has the effect of substitution with formal finance. The evaluation of private lending should be based on the principle of seeking truth from facts and being objective and fair. We must not only affirm the rationality and positive role of its existence, but also see the negative impact of private lending on social stability and put forward corresponding suggestions on regulating private lending The countermeasures and suggestions.