国际社会规制农村民间金融的经验及启示  

International Experience and Inspiration on Rural Informal Finance Regulation

作　　者：张晓艳[1] 

机构地区：[1]西安理工大学人文学院,陕西西安710054

出　　处：《中国流通经济》2011年第2期119-123,共5页China Business and Market

基　　金：国家社会科学基金项目"完善农村金融体系和强化农村金融服务研究"(项目编号:07BJY169);陕西省教育厅人文专项"陕西省农村民间借贷规范发展研究"(项目编号:09JK164)的部分研究成果

摘　　要：农村民间金融在促进农村经济增长和农民收入增加方面发挥着重要作用。但是,由于没有纳入国家信用控制和金融监管系统,农村民间金融的运行极不规范。国际社会在赋予农村民间金融的合法地位、加强农村民间金融组织管理、重视正规金融与民间金融合作等方面都可以为我们提供有益的经验,我国应从完善民间金融法律法规、强化农村民间金融监督管理、引导正规金融与民间金融连接等方面着手规制农村民间金融,引导其健康发展。Rural informal finance plays an important role in promoting rural economic growth and farmers＇ income increasing.However,it is not included in the national credit control and financial supervision system.The operation of rural informal finance is highly irregular.Our country should learn from such international experience as giving legal position to rural informal finance,strengthening management for rural informal finance organization,and paying more attention to the cooperation between regular finance and informal finance.We should regulate rural informal finance and guarantee the health development of that with the help of improving the law and regulation system for informal finance,strengthening supervision and management for rural informal finance and promoting connection between regular finance and informal finance.

关 键 词：农村民间金融 规制 法律约束 金融监管 

分 类 号：F830.6[经济管理—金融学]