求翻译：民间借贷作为一种游离于正规金融监管体系之外的融资渠道，对社会、经济的发展具有双重作用，并且从长远来看，民间借贷的合法化有利于国民经济的发展，尤其是对中小企业的发展具有不可替代的作用，因此，国家政府应该制定相应的法规政策合理、有序的引导民间借贷的发展，从而更好地为经济的健康有序稳定发展发挥其不可替代的作用是什么意思？

Financing channels for private lending as an alienation from the outside the formal financial regulatory system has a dual role in the development of social, economic, and the long term, the legalization of private lending is conducive to the development of the national economy, especially small and

Private loans as a drifted away from formal financial regulatory system, the sources of finance for the development of society and the economy have a dual role, and in the long term, the legalized civil loans for the development of the national economy, particularly for small and medium-sized enterp

The folk lends money the achievement one kind of dissociation outside the regular financial supervising and managing system financing channel, to social, the economical development has the dual function, and in the long-range view, th

Civil borrowing as a free Yu formal financial regulatory system zhiwai of financing channel, on social, and economic of development has double role, and from long-term view, civil borrowing of legalized conducive to national economy of development, especially on SMEs of development has not alternati