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从欠发达地区农村金融市场现状看,金融抑制现象较为突出,正规金融支农功能有所弱化,民间借贷得到较快发展。本文通过对民间借贷与正规金融发展现状的比较分析,认为两者在资源配置、风险防范、融资成本、内部管理等方面各具优势,农村金融改革应扬二者之长,以增强金融服务功能为目标,切实开展金融服务创新,积极构建健康高效的农村金融市场。
From the current situation of rural financial markets in underdeveloped areas, the phenomenon of financial repression is more prominent, the function of supporting agriculture by formal finance has been weakened, and the development of non-government loans has been rapidly developed. Based on the comparative analysis of the status quo of private lending and formal finance, this paper holds that both of them have their own advantages in resource allocation, risk prevention, financing cost and internal management, and that rural financial reform should give priority to both in order to enhance the financial service function As the goal, earnestly carry out financial services innovation, and actively build a healthy and efficient rural financial market.