经济欠发达地区农村民间金融的发展现状分析

内 容 摘 要

随着我国经济的发展建设和金融体制的不断改革，农村民间金融也在进一步的发展。本论文主要分析的是经济欠发达地区农村民间金融的发展现状，体现了民间借贷比例高、银行信用社借贷比例低的基本现状。还进一步说明了农村民间金融在经济欠发达地区发展的客观必要性，从而根据个别事例阐述农村民间金融在经济欠发达地区的发展特征，如高利率性、地域性、监管困难等。然后总结出在经济欠发达地区农村民间金融的存在问题，最后提出规范我国农村民间金融在经济欠发达地区发展的建议。

关键词：经济欠发达地区   农村民间金融   现状  金融体制
Analyze on Current Situation of Rural Folk Finance in undeveloped Economy Area

Abstract

Along with the development and construction of the economy and the continuous reform of finance system in our country, rural folk finance go step further development. This thesis has mainly analyzed that the development and the current situation of rural folk finance in undeveloped economy area, and reflects the high proportion of folk lending, the low proportion of bank and credit cooperatives .show further that the objective necessity of the rural folk finance’s development in undeveloped economy area, thus on basis of specific example elaborates the current situation and developmental characteristic of rural folk finance in undeveloped economy area, such as high interest rates, regional, regulatory difficulties and so on. then summarize the question existing in the folk finance development of countryside of undeveloped economy area, lastly should put forward the recommendations to folk financial development of countryside in undeveloped economy area.

Keyword: undeveloped economy area   rural folk finance   current situation   finance system

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