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农村民间借贷是发生在农村的,没有被官方监管、控制的农村金融活动,其是缓解农村资金缺乏的重要途径,已成为农村金融的重要形式。农村民间借贷的快速发展是由于正规金融的缺位、农村民间借贷自身的优点、农村闲散资金的存在等多方面的原因造成的。其正呈现规模逐步扩大、服务对象确定化、高利贷现象突出的现状。其发展中反映出农村借贷存在对农村金融秩序具有影响;易引起债务纠纷;影响国家宏观调控等问题。需要采取加强政府对农村借贷的规范;健全相关的法律、打击违法现象;工商、银行、审计、税务等其他相关部门配合支持等措施,以更好地服务农村经济。
Rural private lending is a rural financial activity that is not regulated and controlled by the government. It is an important way to alleviate the lack of funds in rural areas and has become an important form of rural finance. The rapid development of private lending in rural areas is due to the absence of formal finance, the advantages of private lending in rural areas and the existence of idle funds in rural areas. It is showing the gradual expansion of the scale, the service object is determined, usury prominent phenomenon. Its development reflects that the existence of rural lending has an impact on the rural financial order; it can easily lead to debt disputes; and affects the state’s macro-control and other issues. It is necessary to take measures to strengthen the government’s norms on rural lending, improve relevant laws and crack down on illegal activities, and provide support to other relevant departments such as the industrial and commercial administration, banks, auditing and taxation departments in order to better serve the rural economy.