农村民间借贷治理的制度化路径

Institutional Path of the Rural Private Lending Governance

民间借贷是农村要素市场的重要组成部分。长期以来,对农村民间借贷治理主要依赖挤压限制的控制型模式,既不能有效引导民间资本优化配置,也不能防范规避可能产生的内外部风险。从趋利避害的视角出发,应正视农村民间借贷的发展实际,转变传统治理惰性思维,建立更具针对性和激励性的规制工具,形成正向激励为主的调控引导型治理架构,并通过相应制度设计和正规平台建设,激活农村生产要素,有效防控金融风险。

Private lending is an important component of the rural factor market. For a long time,the governance of the rural private lending has mainly relied on the control mode of extrusion and limitation. This model cannot effectively help private capital achieve optimal allocation,and also cannot prevent and avoid the possible internal and external risks. From the perspective of bringing goodness and removing all evil,we should pay attention to the actual development of rural private lending and eliminate the inertial thinking of traditional governance. It is still important to make a more targeted and incentive regulatory tool so as to achieve a positive incentive-oriented governance structure. It is still crucial to activate the rural production factors based on corresponding system design and formal platform construction in order to prevent financial risks effectively.