在正规的金融机构诞生之前，人类经济活动中的资金融通几乎全部依赖于民间性质的借贷来解决。
Before the birth of the formal financial institutions, finance in the human economic activity mainly depended on informal credit.
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.
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.
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