论统筹城乡非正规金融发展的制度创新

本文首先从经济学意义上阐述非正规金融的内涵和主要形式，然后采用新制度经济学的制度变迁理论分析非正规金融存在的理论基础，从我国非正规金融发展现状来看，为了促进非正规金融在城乡统筹发展当中发挥重要作用，应对非正规金融机构的组织管理体制、信用体系、法律等方面进行制度创新。

Discussing on the System Innovation of Planning the Development of Urban and Rural Informal Finance as a Whole

First,this paper defines the informal finance by the economic means and analyzes the characteristic of it,then explains the forms of informal finance in the theoretical way of the institution change.According to the present situations,it is a system obstacle to influence the informal finance of main factor of development in rural area.So system innovation is to develop the key of informal finance in China,the focal point is the innovation in such aspects as legal system,credit and management system.