农村民间金融发展分析与政策建议

Analysis and Policy Suggestion of Countryside Folk Finance Development

The present stage, the folk finance already became the important financing channel of rural economy main body, this lends money main body own intrinsic request, also was helpless choice of the external supplies insufficient. Between the fellow villager the magnanimous act which lends money the activity is crosses a river in a boat together, is regarded as the natural behavior criterion and common courtesy, the information symmetry and the cost superiority is the countryside area folk finance fast development important reason. The countryside folk finance is in beside supervising and managing, has the spontaneity and blindness, the operation regulated difference, lets matters drift can have the very tremendous negative influence to the social economy. Develops the countryside folk finance to have to handle affairs discretely, divides the stage, divides the area, takes the measure gradually, advances positively and also safely, the near stage should complete the following work: Eliminates dual financial the opposition thought, unified countryside folk finance understanding; The consummation official finance in the countryside area service, adroitly guides action according to circumstances develops the countryside folk finance; Encourages the countryside folk finance the legitimate activity, standard countryside folk finance movement system and so on.