我国农村民间金融的规范和发展

农村民间金融内生于经济发展过程之中，其作用是体制内金融部门所不能替代的。政府应为其发展提供一个与国有金融体系平等竞争的市场环境和政策环境。构建我国农村民间金融体系应以产权制度理论为指导，通过宏观调控和市场竞争机制，把捉村民间金融组织纳入统一的金融体系之中。

On China's Grassroot Finance in Rural Areas and its Development

Informal finance is the endogenous result of economic development process.Its function cannot be substituted by formal financial system.The government should provide informal finance with market environment and policy environment that promote equal competition with state-owned financial system.Under the guidance of property right theory,by the means of macroeconomic regulation and market competition,we should integrate rural finance organization into unified financial system to construct rural financial system.