基于结构洞理论的农村民间借贷监管研究

Research on Rural Private Lending on Structural Hole Theory

随着正规金融机构涉农融资增速的减缓以及农民融资需求的增加,近年来我国农村民间借贷活动更趋活跃,而监管缺失是农村民间借贷纠纷事件频繁发生的重要原因之一。本文运用结构洞理论深入分析农村民间借贷活动的特征及风险,并提出监管对策建议。

Due to the slowing down pace of the agricultural loans from formal financial institutions and the increasing demand by peasants rural private lending becomes increasingly active recently. On the contrary, the rural private lending is in disorder because of lack of regulation. This paper deeply analyzes the characteristics of the private lending and its risk features based on structural hole theory, and then proposes some regulatory suggestions.