非正规金融发展的影响因素及现实选择

Influencing Factors of Informal Financial Development and Realistic Choice

在国外,非正规金融发展到一定阶段,由于其自身无法克服的制度风险性和规模制约性,先后转化成为正规金融的一部分。随着社会经济的发展,我国非正规金融的规模正在不断增长,其制度风险和规模不经济的局限性也在不断加剧。结合非正规金融的优势、特点与我国区域金融的发展现状,将非正规金融社区银行化,是非正规金融发展的一条合适路径。

In foreign countries,informal finance will become part of formal finance in the end due to its own system risk and size constraints,which is unable to be overcomed by itself.With social and economic development,the scale of informal finance in China is expanding,but system risk and the economic scale of the limitations is getting worse.Combining with the informal finance advantages,with China's regional finance development status,we could find that setting up community banks is a very suitable path for the development of informal finance