农村民间资本风险控制研究

Study on Risk Control of the Rural Nongovernmental Capital

当前随着中小企业和农村经济发展对金融信贷的市场需求,农村民间资本呈现迅速发展的势头。但是,农村民间资本运营的风险性极高。农村民间资本风险控制要努力创造良好的信用环境,消除民间资本发展的信息障碍。加强信用建设,树立规则和信用意识,改善中小民营企业的融资条件。建立民间金融业诚信档案记录,提高失信成本,减少金融交易中的道德风险,以保证农村民间资本的良性发展。还要加大政策性金融的支农力度,发放政策性贷款,建立信用担保机构和农村保险基金来分担和转移风险,以更好地促进农村经济的发展。

With the development of small and medium-sized enterprises and the rmal economy, the market demand credit financing. Rural nongovernmental capital has developed rapidly, ttowever, the risks in operation of pl.＇ivate capital is very high. Control of n, ral nongovcrmnental capital risk des- perately need a good credit environment to remove the infor- mation obstacle of the development cif.non-governmental capital, strengthen the credit construction, establish rules and credit consciousness, and improve financing conditions of the small and medium-sized private enteq）rises. So, it need to establish the credit records of the nongovernmental capital finance, raise the cost of losing credit, and reduce the moral risks in financial transactions. Then, it would be possible to ensure the healthy development of rural nongovernmental capital, tn addition, it needs further efforts to increase the policy financial support for agriculture, policy based loans, the establishment of the credit guarantee insti- tutions and rural insurance fund to share and transfer risk to promote the development of rural economy.