求翻译：民间借贷以其强大的市场经济适应力和生命力，成为近几年我国金融业关注的焦点.他们既起到了优化资源配置的作用，也大大的减轻了农村地区和中小企业对银行信贷的压力，缓解了我国资金供给的缺口，成为金融市场化以后农村地区和中小企业资金匾乏的必要补充。但是，民间借贷在发展中存在着许多问题，借贷主体多为农民，平民百姓为主，利率水平还在不断飙升，借贷规模逐年增加，而且借贷法规依据并不完善等一些弊端，给金融市场和社会带来不稳定因素。所以，我们应该加强对民间借贷的监督机制、深化金融体制改革、降低民间借贷风险，才能使社会稳定秩序。是什么意思？

正在翻译，请等待...

Private lending to its powerful ability to adapt to the market economy and vitality to become our country's financial sector in recent years the focus of attention as they both have to optimize the allocation of resources, it can also greatly reduce the rural areas and small and medium-sized enterpr

Private lending to its strong resilience and vitality of the market economy, become the focus of attention of China's financial industry in recent years. their role is to optimize the