对我国农村民间金融的探讨

摘要： 建国以来，尤其是经过改革开放30年的发展，我国农村金融体系趋于完善，形成了以正规性金融为主导、非正规金融为补充的金融体系，但仍存在着诸多问题，例如现有农村金融组织资源供给不足，农村合作金融组织选择性贷款现象严重，农村金融机构不良贷款比例仍然较高，农村小额信用贷款发放难等等。由于这些问题的存在，使广大农民的资金来源渠道受到限制，这严重影响了我国农村经济的发展，因此要在政府的支持下加快农村金融改革步伐，合理利用和引导民间闲置资金，为我国农村经济发展打好基础。

关键词：农村民间金融 现状 运行方式 改革建议
The consideration of nongovernmental finance in rural area of china

Abstract: Since the founding, especially after 30 years of reform and opening-up, China's development of rural financial system perfect, formed a formal, informal finance, financial dominated for financial system, but still exist many problems, such as the existing rural financial organization resources supply and rural cooperative financial organizations selective loans is serious, the rural financial institution non-performing loan ratio remains high, rural credit loans to small etc. Because of these problems, and make the farmers' fund sources, the serious influence restricted the development of the rural economy, so in the government's support rural financial reform, the reasonable use and guidance for Chinese folk idle capital, the development of rural economy.

Key words:  rural finance  current  run  Proposals for reform

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