如何协调农村民间借贷与正规金融涉农融资的关系

How to Coordinate the Relationship Between Formal Financial and Private Lending

当前,农村民间借贷和正规金融涉农融资是农民取得借款的两大主要来源。文章从未来银行业的发展趋势的角度预测农村融资的走向,深入分析农村民间借贷与正规金融涉农融资两者的关系,认为在引导农村非正规金融发展的过程中,务必培育农村正规金融机构,扩展正规金融支农融资渠道,双管齐下,才是最终实现金融支农的正确选择,一味追求农村非正规金融的发展,并不能真正解决农民融资难问题。

Nowadays,the farmers loan money mainly from two ways: formal financial and private lending.The article forecasts the future characteristic of the farmers loan based on the development trends of banking industry,after deeply analyzing the relationship between formal financial and private lending,the author considers that at the time to develop the private lending market,we should pay much attention and give more support to the development of formal financial market,it can not give two much help to solves the difficulty of 'hard for farmers to loan money' only by developing the private lending market.