基于共生理论的农村民间金融改革路径研究

Study on Rural Informal Financial Reform Ways Based on Symbiotic Theory

改革开放多年,民间资金投资难与中小企业融资难的矛盾始终桎梏着我国地方经济的发展。事实已经证明,民间资本宜疏不宜堵。只有让民间资本在合理监管中规范运行,实现与中小企业共生,才是推动地方经济发展的唯一合理路径。文章运用共生理论剖析了民间金融的存在效应,探讨了农村民间金融的发展障碍,提出遵循共生规律推进民间金融发展的具体建议。

Contradiction between private investment difficulties and small enterprises financing difficulties always restricts Chinese local economic growth for many years since the open and reform. Facts prove that Informal Financial should be circulated rather than banned. It is only a reasonable way to promote local economic growth that we let Informal Financial run normally under supervision and achieve symbiosis with small enterprises. This paper gives a thorough analysis of Informal Financial existence and barriers during its development from symbiotic view. Finally, the paper put forwards proposals for healthy development of Informal Financial by symbiotic law.