中国农村非正规金融兴起缘由探析——基于制度变迁理论的研究视角

On Reasons of Prosperity of Rural Informal Finance in China—Based on Institutional Change Theory

非正规金融在我国广大农村地区的发展不断壮大,基于制度变迁理论的研究视角分析,发现其兴起源于我国农村正规金融制度供给不足造成的正规金融制度失衡。农村非正规金融是正规金融有益的补充,政府应该加强对其引导和保护,使其与正规金融在合理配置农村的经济与金融资源中共同发挥作用,推动我国农村经济的发展。

The development of informal finance has expanded increasingly in the vast rural areas. Based on the institutional change theory, the paper finds that institutional imbalance caused by insufficient supply of formal finance institutional arrangement actually gives rise to informal finance. Rural informal finance is a beneficial complement to the formal finance, so the government should guide and protect it, and bring its functions into full play together with the formal finance in the reasonable allocation to drive forward the development of rural economy in china.