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当前资金短缺已经成为农民增加投入、扩大再生产比较大的制约因素。尤其是近年来一些大银行收缩战线,撤并了一些县及县以下的网点,农村贷款渠道越来越窄。由于正规金融部门农业信贷数量不足以及农民贷款难等问题,一些地方民间借贷市场应运而生。虽然国家一直加强金融市场监管,不断加大打击非法金融的力度,但民间借贷一直挥之不去,个别地方甚至愈演愈烈,引导和规范民间借贷市场势在必行。
The current shortage of funds has become a constraint for peasants to increase their investment and expand reproduction. In particular, some big banks in recent years have shrunk their fronts and removed some outlets under the counties and counties, making rural credit channels narrower and narrower. Due to the insufficient amount of agricultural credit in the formal financial sector and the difficulty of farmers’ loans, some local private lending markets have emerged. Although the state has been stepping up its monitoring of financial markets and continuously cracking down on illegal financial activities, non-governmental borrowing has always been lingering and even intensified in some places. It is imperative to guide and regulate the private lending market.