论盐池县民间借贷对新农村建设的影响及对策.pdf

论盐池县民间借贷对新农村建设的影响及 对策 Theory of the existing folk lending to the influence of the new rural construction and countermeasures 民间借贷是指民众与商业化的正规金融企业之外的组织或个人的借 贷关系。依据我国《最高人民法院关于审理借贷案件若干意见》第 6 条规定：民间借贷的利率可适当高于银行利率，但最高不能超过同类 借贷利率的 4 倍，同时利息不得计入本金计算复利。在我国历史上广 大民众一直保留着一种热衷于向亲朋好友借钱的民间借贷传统。伴随 着改革开放和国民经济的快速发展，特别是民营经济、个体经济的快 速发展，农村地区民间借贷现象极为普遍。但是由于我国金融体制改 革的相对滞后及民间借贷本身所具有的一些特征，加之各地区的资本 供求关系的不同，民间借贷中出现了非法的高利贷行为。那么，地处 西北内陆，自然条件较差，经济和社会相对落后的宁夏广大农村地区， 民间借贷呈现出什么样的状况呢 下面就以宁夏盐池县为例对此进 行分析说明。盐池县的民间借贷极其活跃，在整个宁夏都可算是一个 典型，因此对新农村建设产生了一系列的影响。 Private lending refers to the formal financial people and commercial enterprises organizations or individuals outside of the lending relationship. Basis our country the supreme peoples court on several opinions borrowing cases stipulated in article 6: the folk lending interest rates can / / / be properly higher than bank interest rates, but most cant more than its lending rate four times, interest may not be included in the calculation of compound interest of the principal at the same time. In the general public in the history of our country has been kept a keen to borrow money from friends and family tradition of folk lending. Along with reform and opening up and rapid development of national economy, especially the rapid development of private economy, individual economy, rural folk lending phenomenon is extremely common. But due to the relative lag of financial system reform in China and the folk lending itself has some characteristics, combined with the regional capital supply and demand is different, the folk lending in the illegal loan sharks. So, is located in the northwest inland, poor natural conditions, economic and social relatively backward in the vast rural areas in ningxia, the folk lending appear what kind of situation? Here are i