我国农村民间金融的发展现状及对策分析.doc

我国农村民间金融的发展现状及对策分析 摘要 由于农村地区资金供给不足,严重影响经济发展，其中农业自身的弱质性以及对民间资本的市场准入限制是重要原因，资金的巨大需求诱使了民间金融的兴盛,一定程度上弥补了正规金融资金供给不足现状。随着我国经济的蓬勃发展及全社会对“三农”问题的关注，民间金融也随之呈现快速发展之势，然而，由于民间金融发展过程中存在着利率失控、潜伏着金融风险、容易产生经济纠纷等问题，为此，本文通过研究和分析我国农村民间金融发展的现状以及问题产生的原因，来探讨如何规范农村民间金融、将民间金融纳入金融监管范围，使民间金融更好更快的发展，最终促使我国农村经济的腾飞。 [关键词] 农村 民间金融 发展现状 对策 ABSTRACT Due to rural areas lack money supply, serious impact on economic development, especially in agriculture itself feeble constitution on private capital and market access restrictions are important reasons, the huge demand for capital to the prosperity of the private finance, to a certain extent, to make up for the formal financial capital supply the status quo. Along with our country economy the vigorous development of the whole society and the problem of SAN nong attention, folk financial also will present rapid development trend, however, because the process of the development of the private financial there is interest rates of control, the latent financial risk and produce economic disputes, therefore, this article through the research and analysis of Chinas rural folk financial development present situation as well as the reasons, to discuss how to regulate the rural folk financial, folk financial into financial supervision range, so that private finance better and faster development, ultimately, Chinas rural economic takeoff. [Keywords] rural Folk Finance Development present situation countermeasures 目录 一、我国农村民间金融存在的必要性 （1） （一）农村正规金融机构供给不足 （1） （二）农户资金需求旺盛 （2） （三）农村民间金融的自身优势 （3） 1、交易成本低 （3） 2、对担保品的要求不高 （4） 3、利率比较灵活 （4） 4、执行效率高