农村非正规金融与正规金融联接的模式与制度安排

On the Linking Pattern and system arrangement between Irregular Finance and Regular Finance In Rural Area

本文在对非正规金融与正规金融联接的必要性以及对世界其他地区的联接模式进行分析的基础上,提出了我国非正规金融与正规金融进行水平联接和垂直联接的几种模式构想,在相关的制度安排上建议让非正规金融合法化、加强金融监管、完善服务体系。

Irregular finance plays an important role in relieving the financing difficulty in the rural area and accelerating the rural economy development.Our country now changes the former measures of abolishing and suppressing irregular finance instead of affirming its significance.Yet,to further play the role of irregular finance,we should make the irregular finance and regular finance linked together effectively and give them suitable system arrangement.Based on the analysis of the importance of linking irregular finance and regular finance and the link patterns of other areas of the world,the paper proposes several patterns of horizontal linking and vertical linking between irregular finance and regular finance,and puts forward some suggestions of system arrangement such as legalizing irregular finance,enhancing finance regulation and perfecting service system,etc.