农村非正规金融发展与金融体系建设

Rural Informal Finance Development and Rural Financial System Reform

当前,以民间借贷为代表的农村非正规金融已不仅仅是农村金融领域的“冰山一角”,比之正规金融,非正规金融更贴近农户的生产生活,更符合以农户经济为基础的农村经济发展需要。本文在制度经济学的分析框架下,以宁夏3个县县城和乡村民间借贷发展状况、特征为研究基础,结合农村特殊的金融需求特征,对比农村正规金融,主要从制度变迁的角度揭示农村非正规金融更适应农村金融需求的制度优势,及其对农村金融体系重构的借鉴意义。通过对农村非正规金融的经济绩效和制度绩效考察,本文指出我国农村金融体系建设应立足非正规金融发展的现实,突破原有的正规金融渠道建设,把非正规金融发展纳入农村金融体系建设中来。

This paper comparatively studies formal and informal finance in rural areas through the cases in three counties in Ningxia. Given the specific properties of rural financial demand, informal finance shows more comparative advantages than formal finance. And thus, this paper suggests that informal financial development should be a major part in rural financial reform.