摘要
农村民间金融广泛存在虽有其客观原因,但却存在许多问题,如经营风险较大,缺乏法律保护易产生经济纠纷,借贷利率过高扰乱农村金融秩序,自发无序发展影响到国家宏观经济政策调控效果等问题。因此,应通过制定相关法律法规赋予民间金融合法地位,加强农村民间金融监管,加快农村中小企业发展和提高农民收入,放宽民间金融的市场准入并建立退出机制,加强农村民间金融与官方金融之间的合作,可以规范农村民间金融发展。
There are objective reasons for the existence of informal finance in rural areas. The problems are obvious, including high business risk, economic dispute caused by inadequate legal protection,high borrowing rate,and the disorder that negatively affects the state＇ s macroeconomic policy. It is suggested to make the informal finance legal with laws and regulations. Financial regulation should be enforced. Furthermore ,the middle and small business should be developed to increase farmers＇ income. Market access and exit system for informal finance system should be established. There should be cooperation between the informal finance and official finance system.
出处
《哈尔滨学院学报》
2015年第8期86-90,共5页
Journal of Harbin University
关键词
民间金融
官方金融
农村
the informal finance
the official finance
rural
