我国农村民间金融及其法律完善

农村的地域特点、农业的天然弱质属性、农户及乡镇企业的财产规模等不利方面的影响,严重制约了国有商业银行及农村信用社等正规金融机构对农民、农户、乡镇企业的借贷,从而导致农村民间金融的盛行,而国家政策的摇摆不定、相关法律制度的缺失及不完善又使农村民间金融时常处于尴尬境地。为此,应通过制定新法、修改旧法、完善相关配套制度来保障我国农村民间金融的可持续发展。

The unfavorable aspects of rural geographical features, agricultural natural disadvantage attributes, and the property scale of peasant household and township enterprises seriously restrict the lending from formal financial institutions, such as state - owned commercial banks and rural credit cooperatives to the farmers, peasant households, and township enterprises, and has led to the prevailing of rural folk financing. Due to wavering national policies, absent and imperfect relevant laws and regulations, rural folk financing often is in an embarrassing position. Thus, it is imperative to make new legislation, amend old legislation, and improve relevant supportive systems to ensure the sustainable development of our country＇ s rural folk financing.