加强农村金融监管,构建有效率的农村小额信贷市场——基于正规金融与非正规金融的比较视角

STRENGTHENING SUPERVISION OF RURAL FINANCIAL,CONSTRUCTING EFFICIENT MARKET OF RURAL MICROFINANCE From the View Angle of Comparative Study based on the formal Finance and Informal Finance

在加快改变我国城乡二元经济结构的进程中,农村金融肩负着为"三农"发展提供大量资金和金融服务的重大使命,特别是农村小额信贷对激励和支持农民创业方面发挥着重要的作用。正规金融和非正规金融在农村小额信贷市场上发挥着互为补充和互相替代的服务功能。因此,建议政府在对农村正规金融体制和机制进行创新的同时,应尽快制定民间融资管理的具体办法,使非正规金融规范化、阳光化,以便构建一个与农村经济发展相匹配的多元化的农村小额信贷市场,提高其服务"三农"的金融效率。

In the process of speeding up the development of China＇s urban-rural dual economic structure, it is a huge mission for rural financial to be shoulder to provide much capital and financial services for agriculture, countryside and peasant, especially, the rural microfinance plays a very important/crucial role in inspiring and supporting the peasants to establish business themselves. Through the analysis about the present situation of development on the rural microfinance, it is demonstrated that formal finance and informal finance are able to play their supplement mutually and replace each other. Thus, the system and mechanism of rural formal financial were innovated by government and private financing management method was worked out as soon as possibly, it would make informal finance normalizable and transparent in order to construct a matching and diversified rural microfinance market with development of rural economy and improve the financial services efficiency for agriculture, countryside and peasant.