我国农村非正规金融规范发展研究

Research into the rural informal financial normalization development in our country

农村非正规金融对农村经济发展有缓解农户资金需求、减轻农村中小企业融资难、积聚农村闲散资金、改善农村信用环境的积极作用,也有容易引发纠纷、经营风险较大、加重农村经济主体经济负担、阻碍农户对农业的投入、冲击正规金融机构信贷业务、影响农村金融秩序的消极作用。通过建立和完善相关法律制度,将农村非正规金融纳入国家监管体系,加强农村金融生态环境建设,加强农村非正规金融与正规金融之间的合作,可以促进农村非正规金融规范发展。

The rural informal finance plays an active role in relieving farmers' fund needs,reducing the difficulty of the small and medium-size enterprises of the countryside in raising funds,collecting the idle money and improving the rural credit environment. But it also play an negative role in easily causing dispute,enlarging the business risk,increasing the rural economic subject' burden,obstructing farmers' input in agriculture,impacting the formal financial credit operation and influencing the rural financial order. We should establish and perfect the relative legal systems,integrate the rural informal finance into the state supervision system,strengthen the rural financial ecological environment building and the cooperation between the rural informal finance and formal finance to promote the rural informal financial normalization development.