中国农村非正规金融:绩效、缺陷与治理  

On Informal Credit of Rural Areas in China

作　　者：柳松[1] 程昆[1] 

机构地区：[1]华南农业大学,广东广州510642

出　　处：《新疆财经学院学报》2005年第3期33-36,41,共5页Journal of Xinjiang Finance & Economy Institute

基　　金：广东省社科基金项目<广东农村非正规金融研究>(04GC105)的阶段性成果。

摘　　要：随着我国正规金融从农村纷纷撤走,非正规金融在农村地区迅速壮大,并为农村社会与经济发展提供了有力的金融支持。然而,由于非正规金融掌握信息的有限性和得不到法律认可与政府保护,从而它也存在许多缺陷,并对经济的平稳运行产生一些破坏作用。对待农村非正规金融,绝不能简单地否定或取缔它,而应持辩证的观点,扬长避短,因势利导,使其成为正规金融的有力补充。With the withdraw of formal financial institution from the rural area in China, informal credit grows up rapidly and provides powerful financial support for rural economic development. However, for some reasons, informal credit appears lots of defects and it brings some bad effect on economic development. We should treat it correctly, develop its advantages and avoid its disadvantages, promote it to be forceful complement to formal credit.

关 键 词：非正规金融 农村发展 金融支持 效率 

分 类 号：F832[经济管理—金融学]