一些“新增”贷款是由表外款项部门和非正规贷款市场（当信贷限制还存在时这个市场异常繁荣）向正规借贷部门转移造成的。
Some "new" loans also represent a shift to the formal banking sector from off-balance sheet vehicles and from the informal loan market which flourished when credit quotas were in place.
在目前的农村信贷市场上，以农村信用社为主的正规金融和私人借贷等非正规金融构成了信贷的供给方。
In the current rural credit markets, rural credit cooperatives as the main body of the formal financial and personal loans as the informal financial constitute the supply side of credit.
二是以官方借贷、私人钱庄、官方集资等官方金融为主体构成的非正规金融。
Second, informal finance, which includes private lending, private banks, private fund raising and other private finance as the main form .
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