第一部分是对民间借贷基本问题的分析。
The first part is the analysis of the fundamental problems of private loans.
严格监管，禁止金融从业人员参与民间借贷。
Tighten oversight and prohibit financial professionals to get involved in private lending.
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.
如何引导和规范民间借贷，成为社会各界所关注的问题。
How to guide and regulate the private lending has become the community's concerns.
在这种情况下，民间借贷成为满足供求双方的必然选择。
In this case, private loans become the inevitable choice to meet the demand and supply sides.
第三部分是对我国民间借贷民事法律规制存在的不足的分析。
The third part analysis flaws of our civil law in folk lending regulation.
如由于民间借贷的隐蔽性、不规范，致使本文的统计数据不全面。
Such as the invisibility of private lending is not standardized, resulting in incomplete statistical data of this article.
特别是在民间借贷案件中，经验法则的运用起到很好的补充作用。
The application of empirical laws will function well as a supplement, especially in dealing with cases of folk debit and credit.
因此，在民营经济的商业借贷中，民间借贷占据了极为重要的位置。
Thus, private lending account for an extremely important position in commercial lending of the private economy.
因此，区域性民间借贷行为及规模不断扩大，且资金价格逐渐攀升。
As a result, a regional non-borrowing and increasing the size and cost of capital rise gradually.
由于对民间借贷的研究是一个庞大的系统工程，需要研究的内容很多。
As the research on private lending is a huge systematic project, need to study the contents of the lot.
在民间借贷中出借人为保护自己的合法权益，提高自我保护意识很重要。
It is very important for the cender to improve the self protection consciousness for protecting his lawful rights and interests in non governmental debit and credit.
瑶族的民间借贷主要包括族内的无息借贷和瑶族向汉、壮等族的高利贷借贷。
The folk debit of the Yao nationality consists of the free interest in its nationality and the usury from the Han nationality and the Zhuang nationality.
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.
对民间借贷的作用认识不足且没有提出很好的解决民间借贷消极作用的法制方法。
The academic circle doesn't fully realize the effects of folk loan so that it can't put forward good ways to solve the problem of the negative effects of folk loan.
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.
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.
在借贷如此紧缩的压逼下，生产镀铬压纸器的老总黄海伦去年不得不向民间借贷求助。
Daunted by such terms, Helen Huang, the owner of a company producing chrome-plated paperweights, turned to a neighborhood lending pool last year.
民间借贷是民间金融的一个部分，随着经济主体与经济活动的日益多元化，已融入社会金融体系中。
Private finance, private lending is a part of economic entities and economic activity along with the growing diversification of the financial system has been integrated into the community.
同时剖析了现行的民间借贷监测制度面临的难点，探讨研究如何重构、完善民间借贷利率监测体系。
We point out the difficulties encountering in the existing monitoring system. Then we review how to improve and rebuild the monitoring system.
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。
Fanners' income from funds refers to the earnings made by farmers through bank deposit, private lending and by purchase of stocks, securities or bonds.
中国人民银行发布的《温州民间借贷市场报告》显示，温州大约89%的个人和59%的企业参与了民间借贷。
A Central Bank report on the private lending market in Wenzhou found that 89 percent of individuals and 59 percent of businesses in the city were involved in the unauthorized credit market.
当银行削减贷款，商人便走向高息的民间借贷者。这意味着，一两个月后他们又得再次搞到贷款以支付其他的债务。
When Banks cut off lending businessmen went to the high-interest informal lenders figuring that a month or two later they'd get loans again to repay their other debts.
当银行削减贷款，商人便走向高息的民间借贷者。这意味着，一两个月后他们又得再次搞到贷款以支付其他的债务。
When Banks cut off lending, businessmen went to the high-interest informal lenders, figuring that a month or two later they'd get loans again to repay their other debts.
温州原有民间借贷利率监测是2003年起建立在30个乡镇的300户企业、个体工商户和农户的民间借贷利率监测制度。
Wenzhou folk lending rates monitoring system started in 2003, including 300 households of the township enterprises, individual businesses and households folk.
通过对农村金融情况的调查发现，当前农户贷款来源中民间借贷逐步占据了主要地位，正规金融机构提供的金融服务比重下降。
The investigation on rural finance tells that civil debt and credit, instead of the financial service from state organizations, has played a chief role.
这个民间借贷是他朋友们经营的，每年的利息才7%。她说，这个和银行贷款利息没啥区别，而且还不用上交繁琐文件或是接受存款的要求。
The lending pool, run by friends, charged only 7 percent a year, she said — similar to what a bank loan would have been, but without onerous paperwork or redeposit requirements.
受传统主流观点的影响，目前学界并没有树立起一个对民间借贷的正确态度，尤其是受民法公平原则的限制，对高利贷一律持坚决否定的态度，而并没有去客观分析其合法性。
Influenced by the main traditional viewpoint, the academic circle doesn't have a proper attitude to folk loan with high interest because of the limit of the civil legal principle of fairness.
受传统主流观点的影响，目前学界并没有树立起一个对民间借贷的正确态度，尤其是受民法公平原则的限制，对高利贷一律持坚决否定的态度，而并没有去客观分析其合法性。
Influenced by the main traditional viewpoint, the academic circle doesn't have a proper attitude to folk loan with high interest because of the limit of the civil legal principle of fairness.
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