发展我国农村非正规金融的政策建议

当前，我国农村非正规金融已形成很大规模，对我国农村经济发展起到了积极的推动作用，同时也带来一定的负面影响。为趋利避害，更好地疏导规范农村非正规金融，从政府角度，应重点做好以下几个方面的工作：首先，对农村非正规金融合理定位，并加强对其规范与管理；其次，要加强对农村正规金融的改革，使其替代部分农村非正规金融；再次，要从法律法规的健全、利率市场化的进程、信用中介组织的建立与农村征信系统建设等诸多方面努力，营造有利于农村非正规金融健康发展的大环境。

The Policy Proposal for Developing Irregular Finance in Rural Area in China

At present,the irregular finance in rural area in China has formed on a large scale.It has greatly pushed forward the development of rural economy and at the same time,it has brought some negative impacts.In order to tend toward advantages and avoid disadvantages to dredge and standard the irregular finance in rural area,on the position of government,this article will promote the policy proposal for developing irregular finance in rural area in detail.At first,we should properly locate for irregular finance in rural area and reinforce the standard and management.Secondly,we should reinforce the reformation to regular finance in rural area,so as to put the regular finance to partly irregular finance.Thirdly,in the aspects of creation environment of irregular finance development in rural area,we should make every effort to amplify rules and regulations,the processing of marketization of the interest rate and establishing credit intermediary.