民间借贷是一种历史悠久、在世界范围内广泛存在的民间金融活动，主要指自然人之间、自然人与法人或其他组织之间，以及法人或其他组织相互之间，以货币或其他有价证券为标的进行资金融通的行为。经金融监管部门批准设立的从事贷款业务的金融机构及其分支机构，发放贷款等相关金融业务，不属民间借贷范畴之列。
In recent years, folk debit and credit in rural economy has experienced a rapid development.
近年来,民间借贷在我国农村经济中迅速发展兴盛起来。
参考来源 - 浅谈我国农村民间借贷Fanners’ income from funds refers to the earnings made by farmers through bank deposit, private lending and by purchase of stocks, securities or bonds.
农民的资金收入,指农民资金通过储蓄、民间借贷及购买股票、证券、债券等而取得的相应资金收益。
参考来源 - 我国农民的财产性收入问题研究Thus nongovernment credit has to base on social network with differential mode of association.
因此，民间借贷这种独特的民间信用，必须依赖差序格局下的社会关系网络。
参考来源 - 民间借贷与差序格局The third chapter demonstrates the indispensability of folk loan’S legalization, and then points out the path of folk loan’S legalization is to relax controls and strengthen supervising, Reserve the Characteristic of folk loan informal.
第三章论证民间借贷合法化的必要性,并指出“放松管制,适当加强监管”是完善民间借贷法律监管制度的路径选择,同时提出保留民间借贷固有的非正式特征。
参考来源 - 我国民间借贷法律监管研究（研究生论文）·2,447,543篇论文数据，部分数据来源于NoteExpress
民间借贷之所以能够长期存在，有其存在的必然性。
There is inevitability for the long existence of non-governmental credit loans.
文章通过对农村民间借贷高利率的形成原因进行分析，提出了相应的解决措施。
Through analyzing the causes of rural folk debit in high interest rates, this paper puts forward some relative solutions.
这些民间借贷大部分来源于初始目的不明的银行贷款，其在全国范围内的真正规模尚不得而知。
The true scale of informal lending nationwide much of it derived from bank loans originally intended for other purposes is unknown.
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