中国农村非正规金融的根源与管制政策研究

中国农村非正规金融的根源在于人们的需求,它不仅对中国农村社会文化具有很强的嵌入性.而且与农村社会秩序具有很好的匹配性.因此农村非正规金融具有极强的自生能力和可持续性.结论的政策涵义是:压制、取缔非正规金融的行为不可取,强制性地将非正规金融正规化的行为同样不可取,正确的做法应是放松管制,引导正规金融与非正规金融的联接,促成农村一体化金融市场的形成.

A Research on the Root and the Regulatory Policy of Informal Finance in China's Rural Areas

The root of informal finance in China's rural areas lies in the existence of people's demand.Not only is informal finance in rural areas deeply embedded in China's rural society and culture,but also perfectly matches China's rural social order.Therefore,rural informal finance has great self-viability and sustainability.The policy implications of the conclusion are that it is not reasonable to suppress or eliminate the informal finance,nor is to formalize the informal finance compulsorily.The right thing for us to do is to deregulate it and guide the linkage between the formal and informal finance,thus help the formation of the integrated financial market in rural areas.