我国农村民间金融发展问题探讨

农村民间金融在我国农村有其存在的客观必然性。农村民间金融的主要运行形式有:农村信用社(属于国有金融那部分除外)、农村合作基金、合会、民间借贷、私人钱庄、民间集资和小额信贷等。我国农村民间金融发展中存在不少问题,比如民间借贷的利率失控、农村民间金融潜伏着金融风险、容易产生经济纠纷、给国家宏观调控带来困难以及还难以得到法律的保护等。因此,规范和发展农村民间金融,应明确民间金融的地位,改善农村金融领域中二元结构的紧张与对立;将农村信用合作社改造成真正的民间金融;规范农村民间金融,将民间金融纳入金融监管范围;继续支持农村小额信贷机构发展;建立农村民间金触机构存款保险制度等等。

Probe into the Financial Development in Rural Areas

It is of objectively inevitability for nongovernmental finance to exist in rural areas of China.Its major functional ways include credit cooperative,cooperation funds,cooperative meeting,civilian debit and loan,private bank,civilian funds raise,and micro loan.Such financial functioning could not avoid problems as uncontrollable interest rate,financial risk and economic knottiness that may entail troubles to the macro-control of the state;neither can they get legal protection.Thus,when normalizing rural nongovernmental finance,we should fix its position,improve its dual structure,and establish deposit insurance system while inspect its financial activity.