试论民间借贷中借出方权益的自我保护

On the Lender's Self-protection Rights and Interests in Private Lending

民间借贷是指公民与公民之间、公民与法人以及其他经济组织之间的借贷,是具有广泛群众性和深远传统性的信用补偿机制。"民间借贷"不同于"非法集资",合法的民间借贷是受国家法律保护的,民间借贷在社会经济活动中不可或缺。但是,由于民间借贷具有自发性、随意性、风险性,一旦遇到情况变化,非常容易引发纠纷,造成诸多社会问题。因此,公民在出借资金时应注意保护自身的合法权益,以避免不必要的借贷纠纷发生,使民间借贷活动在社会经济发展中发挥其应有的积极作用。

Private lending is a mechanism of credit compensation which has the masses nature and profound traditionalism. Legal personal debit is different from illegal financing, which is protected by the law and becoming an indispensable eomponent in economic activities of our modern society. However, It＇s internal characteristics such as spontaneity, casualness and risk, have caused many social problems. People shoud protect their legal rights in lending from debt-credit disputes.