民间信用是民间个人之间的借贷往来。它主要分散在城乡居民群众中，尤其是农村。民间信用有以货币形式提供的，也有以实物形式提供的。
本文主要关注我国农村信用合作社体制变迁中的国家与农民间信用关系建构问题。
This paper mainly concerns with construction of credit relationship between the state and farmers in the transition of China rural credit co-operative system.
在我国目前经济转型时期，国家信用起着决定性作用，民间信用受国家信用的影响而表现出信用缺失的社会表象。
In the period of economic transform, state's credit is in the position of deciding, civil credit is lack of credit because it is affected by the state credit.
第一个论点有问题，他无法证实民间贷款与信用供给能维持平稳。
Unfortunately for the first argument, it is unreasonable to assume that nongovernment borrowing and the supply of credit will remain relatively stable.
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