试论农村非正规金融完善农村金融的可行性

The feasibility analysis of the informal rural finance perfecting the formal rural finance

为促进农村金融制度的创新和完善,运用制度经济学以农村非正规金融兴起为背景来分析农村非正规金融完善农村正规金融制度的可行性;同时运用局部知识范式通过农村非正规金融兴起的主要原因来分析农村非正规金融促进农村正规金融组织体系功能创新的可能性,从而提出政府应该积极引导和鼓励农村非正规金融的发展,以促进农村金融制度创新和完善等建议。

For promoting the rural finance system to be innovative and perfectible, this paper analysed the possibility of the informal rural finance perfecting the formal rural financial system by using System Economics, resorting to the back-ground that the informal rural finance is prosperous. This paper analyzed the possibility of the informal rural finance perfecting the formal rural financial function by using the Local Knowledge Paradigm, resorting to the main reason that the informal rural finance is prosperous. Both system and function perfect formal rural finance.