我国农村民间金融发展:生成、困境与前景

The Development of China's Rural Nongovernmental Financing:Generation,Difficulties and Prospects

供给型金融抑制、农村社会资本和农村金融需求共同催生了农村民间金融的产生。农村民间金融能够提高农村资金的配置效率,已经发展成为农民、农村经营组织筹集资金的重要渠道,但农村经济环境的变化、国家金融法律法规的限制和农村民间金融自身的缺陷约束了农村民间金融进一步发展。作为完善农村金融体系和农村金融供给的必要补充,农村民间金融应该被纳入国家有效的引导和监管下实现规范化发展。

Supply-based financial repression,social capital in rural areas and financial needs of rural gave birth to the generation of rural nongovernmental financing.Rural nongovernmental financing improved the efficiency of rural capital allocation,and had developed into an important channel for farmers and rural business organizations to raise funds.However,changes in economic conditions in rural areas,limitations of the country＇s financial laws and rural nongovernmental financing defect itself restrained the further development of the rural nongovernmental financing.As a necessary supplement of improving the rural financial system and rural financial supply,rural nongovernmental financing should be included in the guidance and supervision of the state effectively to achieve standardized development.