求翻译：本文对民间借贷的概念进行了界定，介绍了民间借贷的特点及现状，解释了民间借贷存在和发展的原因。并针对民间借贷存在的问题进行了较为深入的解析。提出个人建议，以规范和促进民间借贷的发展。是什么意思？

Defined the concept of private lending, private lending characteristics and status quo, explained the reasons for the existence and development of private lending. More in-depth analytical and the problems of private lending. Personal recommendations to standardize and promote the development of pri