我国农村民间金融及其法律完善.pdf

金融论苑| Finance Forum 我国农村民间金融及其法律完善 □秦守勤 [ ] 摘 要 农村的地域特点、农业的天然弱质属性、农户及乡镇企业的财产规模等不利方面的影响，严重制约了国有商业银行及 农村信用社等正规金融机构对农民、农户、乡镇企业的借贷，从而导致农村民间金融的盛行，而国家政策的摇摆不定、 相关法律制度的缺失及不完善又使农村民间金融时常处于尴尬境地。为此，应通过制定新法、修改旧法、完善相关配 套制度来保障我国农村民间金融的可持续发展。 [ ] 关键词 农村民间金融;法律缺失;法律完善 [ 中图分类号] F832． 1 [ 文献标识码] A [ 文章编号] 1006 － 5024 ( 20 11) 11 － 0 174 － 03 [ ] ( ) 作者简介 秦守勤，江西财经大学法学院副教授，博士，博士后在站研究人员，研究方向为经济法。 江西南昌 330032 : Abstract The unfavorable aspects of rural geographical features ， agricultural natural disadvantage attributes ， and the property scale of peasant household and township enterprises seriously restrict the lending from formal financial institutions ，such as state － owned commercial banks and rural credit cooperatives to the farmers ， peasant households ， and township enterprises ， and has led to the prevailing of rural folk financing． Due to wavering national policies ， absent and imperfect relevant laws and regu- lations ， rural folk financing often is in an embarrassing position． Thus ， it is imperative to make new legislation ， amend old ’ legislation ， and improve relevant supportive systems to ensure the sustainable development of our country s rural folk fi- nancing． : ; ; Key words rural folk financing the absence of legislation the improvement of legislation [ 3 ] 一、客观现实——— 我国农村民间金融的生生不息 亿元至 亿元之间 ;史清华等对晋浙两省个村 2750 20