农村非正规金融：发展特点、制度分析及规范

当前我国农村非正规金融的发展具有规模大、利率弹性大、借贷方式不规范等特点。制度分析表明农村非正规金融之所以占据农村金融市场的半壁江山，在于其较低的交易成本、灵活的抵押机制、内生的风险控制机制等制度优势。同时农村非正规金融也有活动范围规模狭小、有一定的蔓延性、缺乏国家政策和法律支持等制度缺陷，需要通过合法化、加强监管、促进农村正规金融与非正规金融的合作等方式加以规范。

The Rural Informal Finance:Development Characteristic, System Analyzing and Standardizing

China＇s rural non-formal financial development features have a large scale, flexible interest rates, and non-standard borrowing methods. System analysis shows that the rural non-formal finance occupies half of the rural financial market, because of its lower transaction costs, flexible mortgage mechanism, endogenetic risk control mechanism, and other institutional advantages. At the same time because the rural non-formal finance also have small activity range, small scale, spreading in a certain extent, the support lack of national policies and laws, and other system deficiencies, we need standardize it through legalization, strengthening supervision and promoting rural non-formal and formal financial cooperation, and other means.