农村民间金融的现状 问题及对策

The Present Situation, Problems and Countermeasures of Civil Finance in Rural Areas

本文介绍了在农村金融需求强烈而供给不足的情况下,农村民间金融的需求、发展现状。以实际案例分析了农村民间金融活动中存在的借贷利率失控、经营风险、民间金融组织缺乏规范等存在的问题,探讨了强化县级银监办事处权限、加大监管力度、规范民间借贷手续、规范民间金融组织等对策,为减少和控制民间金融风险的发生、降低民间借贷纠纷案发率提供了相应的途径。

This paper describes the demand and supply for private finance in rural areas and development status on the condition of strong demand and shortage supply. It analyses the existing problems of debit and credit rate out of control, operational risk and lacking standard of private financial organizations on the studies of real case in rural areas and investigates the solution of strengthen county-level CBRC authority, increasing supervision efforts, standardizing the lending procedures and financial institutions and provides a corresponding way to reduce and control the occurrence of private financial risks and the crime rate of private lending disputes.