我国农村民间金融发展的困境分析与立法完善——基于以金融利益为中心的经济法分析视角

金融是市场经济发展的重要基础。近年来，农村民间金融得到了逐步壮大和发展，并已成为农村金融不可或缺的重要组成部分。而相关法律的不完善使得农村民间金融活动缺乏有效地引导和规范，导致各金融利益非和谐的现象产生，大大影响了农村民间金融的健康发展。农村民间金融活动中产生的利益冲突和矛盾需要通过制度安排进行协调，而经济法的经济利益属性决定了其在调整农村民间金融活动关系中具有先天的优势。

The Plight Analysis and the Legislative Perfection of China's Rural Financial Development of Civil Society——Based on Economic Law Analysis of the Financial Interests as Centre

The finance is an important foundation for economic development. Rural folk finance becomes indispensable component of the rural finance . However imperfections of the relevant laws make the rural folk financial activities lack the effective guide and standardize. Led to the financial interests of the phenomenon of serious non-harmonious, greatly affected the rural folk financial healthy development, interest and conflicts of financial activities in the rural areas need the institutional arrangements for coordina- tion, and the economic interests of the Economic Law had decided it attribute the adjustment of rural folk in the relations between financial activities have inherent advantages.