试论农村民间借贷

民间借贷作为一种非正式的金融制度安排,弥补了我国正式金融机构对民营经济的融资不足。其作为一种传统的民间融资方式,近年来随着我国金融体制改革的不断深入和金融服务体系的不断完善已逐渐趋淡,但在一定范围内仍然存在,且十分活跃。本文在总结农村民间借贷现实运行状况的基础上,分析归纳了其存在的问题,并进行原因探究,最后提出促进农村民间借贷规范运行的对策建议。

On rural folk debit and credit sides

Folk debit and credit sides arrange as a kind of unofficial monetary system, it is insufficient in financing of private economy to remedy the formal financial institution of our country. It is as a kind of traditional folk financing way, with deepening the constant perfection with financial service system to already constantly trend towards of reform in banking system of our country in recent years, but still exist within the specific limits, and very active. This text analyses on the basis of summarizing folk debt-credit reality operation conditions that has summed up its existing problem, and carry on the reason to probe into , put forward and promote the folk normal countermeasure and suggestion that operate of debit and credit sides finally.