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问题	借贷资本的产生原因及特点有什么
释义	法律分析：借贷资本的产生原因:是从产业资本和商业资本等职能资本运动中游离出来的闲置货币资本转化而来的。借贷资本的产生特点: 1、借贷资本是借贷资本家为取得利息而暂时贷给职能资本家使用的货币资本。 2，借贷资本的使用，使资本所有权和使用权分离，同一资本取得了双重存在。 3、借贷资本具有独特的运动形式。法律依据：《贷款通则》第三十三条贷款人应当建立和完善贷款的质量监管制度，对不良贷款进行分类、登记、考核和催收。
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