农村信用社的变异对民间金融发展的启示

The Implications of the Rural Credit Cooperatives' Conversion for the Informal Financial Development

我国民间金融正值发展关键之秋。由于民间金融与农信社都是主要服务于广大农村的资金融通,具有相当可比性,因此本文拟从我国农信社最近的发展来发掘对民间金融发展的几点启示与政策建议,说明只有正确处理信用制度、产权制度和利率调整三大问题,才能真正让民间金融的发展纳入正轨。

ion:The informal financial activities in China are under crucial development now. Based on the fact that both the informal financial activities and the rural credit cooperatives will finance the vast rural areas, they are comparable with each other. This paper puts forward some implications and policy suggestions for the development of the informal financial activities according to the latest changes in the rural credit cooperatives, and concludes that only if we have properly dealt with the problems within the credit system, property right system and interest rate control can the informal financial activities go well.