浅析我国农村民间借贷

• 作 者: 蒲忆
• 机 构: 北京中国人民大学财政金融学院,
• 出 处: 商业文化(学术版)
• 发表日期: 2009年02期
• 关键词: 农村民间借贷 资金短缺问题 农村经济 地区资金 农村金融 资金净流出 正规金融机构 农业部门 农村信贷资金 四大银行

近年来,民间借贷呈现出不断膨胀的趋势,逐渐发展成为农村地区资金融通的主要渠道之一。它在缓解资金紧缺、促进农村经济发展的同时,也显现出一定的危害性。因此,如何规范农村民间借贷活动的发展,扬长避短,使其发挥出积极的作用,解决农村资金短缺问题,促进农村经济的发展,是当前农村金融发展十分重要迫切的问题。

In recent years, private lending has shown a tendency of continuous expansion and gradually developed into one of the main channels of financial facilities in rural areas. It has shown some dangers while alleviating the shortage of funds and promoting the rural economic development. Therefore, how to standardize the development of rural private lending activities, avoid weaknesses, make it play a positive role, solve the problem of shortage of funds in rural areas and promote the development of rural economy are the most important and urgent issues in the development of rural finance.