农村民间金融柔性治理机制分析

On the Flexible Governance Mechanism of Rural Folk Finance

因受金融抑制的影响,农村民间金融缺乏专门的治理机制,黑色金融乃至灰色金融诱发的金融风险加大,失信等行为已导致民间金融风险的社会化和金融秩序的非规范化。农村民间金融与软法规范天然耦合,实行不同于刚性制度的柔性治理机制既是金融制度变迁的应然诉求,同时还符合"熟人社会"的本土化需求,可以有力地超越"市场失灵"和"政府失效"的双重范式,实现包容性的农村民间金融治理之道。农村民间金融需要在法律赋权(能)和金融公平原则的基础上,确认民间金融的法律地位和农村金融消费者的基本权利,建构农村民间金融的柔性治理机制,化解金融纠纷,防范信用风险,力求农村金融秩序的良好实现。

Due to the influence of financial suppression , the rural folk finance lacks of specialized governance mecha-nism.Black finance and gray finance induced the financial risk .Discredit leads to the socialization of rural folk financial risk and the financial order is broken .Rural folk finance and soft law is natural coupling .Putting soft law which is differ-ent from rigid governance mechanism system into practice not only is the appeal of financial system change , but also ac-cords with the requirement of the “acquaintance society” localization, which can overstep the dual mode of “Market Fail-ure” and “Government Failure” powerfully and make the inclusive way of rural folk financial governance to be realized . Rural folk finance needs confirming the legal status of folk finance and the basic rights of rural financial consumers on the basis of legal authority and financial fairness , constructing the rural folk financial flexible governance mechanism , settling financial debates , preventing credit risks to make a good rural folk finance order to be set up .