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目前,关于发展民间金融或者借鉴民间金融经验改造农村正规金融体系,从而满足农村金融需求的呼声不断高涨,因此,应该对农村民间金融的一些关键问题进行深入、系统的研究和分析。如民间借贷的利率是怎样决定的?民间金融市场是开放的还是相对封闭的?民间金融市场的信用担保机制是怎样运作的等等?本文即是在借鉴上述研究的基础上对中国农村民间借贷进行的系统性分析。一、中国农村民间借贷利率的基本情况(一)农户民间借贷主要是无息借款。考虑到农户借款时有的需要请客、送礼、或者提供特定帮助,我们请农户将这些都折合成现
At present, there are increasing calls for developing the informal financial system in rural areas or drawing on the experience of private finance so as to meet the demand of rural finance. Therefore, some key problems of rural private finance should be studied and analyzed in depth and systematically. Such as private lending interest rate is how to decide? Private financial market is open or relatively closed? Private credit market credit guarantee mechanism is how to do this article is based on the above study on the basis of China’s rural private lending Systematic analysis carried out. First, the basic situation of private lending rates in rural China (a) non-interest-bearing borrowings of private borrowers in rural areas. Taking into account the needs of farmers when the need to treat, give gifts, or to provide specific help, we ask farmers to convert all these into