摘 要:據有關部門統計，2012上半年北京市各級法院受理民間借貸類案件近3000件，且下半年仍有上升的趨勢。

　　　相對于傳統民間借貸而言，當下的民間資本借貸在主體、用途、法律關系復雜性等方面發生了巨大的變化。傳統民間借貸的當事人之間往往具有特殊的人身關系，比如說親戚、朋友、同學等，而民間資本借貸關系中往往會有擔保人，有的甚至擔保公司或地下錢莊就參與其中。傳統民間借貸在用途上往往具有救急的功能，比如說購房、升學、治病等；民間資本借貸，具有極大的資本性質，當事人都以盈利為目的，借貸人借貸用于投資，出借人往往以獲得高額的利息為目的。傳統民間借貸法律關系較為簡單，往往都是民法中的債權債務關系，當事人往往只涉及出借人和借貸人；而民間資本借貸法律關系較為復雜，不僅有債權債務關系，商事擔保關系，還涉及到國家的金融政策法規等。傳統的民間借貸由于具有應急的功能，往往涉及的金額不高；而民間資本借貸由于具有投資的功能，數額至少上萬，甚至幾十萬，上百萬。

關鍵詞：民間借貸 規模龐大 法律關系復雜 立法建議

Abstract:According to statistics from related departments, 2012 courts at all levels in Beijing city in the first half of accept of folk lending case of nearly 3000, and the second half of the year is still a rising trend.

　　　Compared with the traditional folk lending, the current private capital lending has undergone tremendous changes in the subject, purpose, legal relationship of complexity. The special relationship between the human body has often between traditional folk lending parties, such as relatives, friends, classmates, and private capital lending relationships tend to have security, some even Guarantee corporation or underground banks involved. Traditional folk lending tend to have the function of emergency in use, such as purchase, education, treatment; private capital lending, with capital property greatly, the parties for the purpose of profit, the borrower borrowing for investment, lenders tend to get high interest for the purpose of. Traditional folk lending legal relationship is relatively simple, often are debt in civil law relations, the parties often involves only lenders and borrowers; and private capital lending legal relations is more complex, not only have the debtor-creditor relationship, the commercial guarantee relationship, also involves the country's financial policies and regulations etc.. Traditional folk lending with emergency function, often involves the amount is not high; while the private capital lending because of the investment function, the amount of at least tens of thousands, or even hundreds of thousands.

Key Words： private lending