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民间借贷作为正规金融之外客观存在的一种经济现象,一直处于各方争议之中。虽然自2007年以来国家先后推行了一系列农村金融新政,引导各类社会资本到农村地区设立村镇银行、贷款公司和农村资金互助社等新型金融机构,分设邮政储蓄银行,完善农村信用社治理结构,推进农业银行开展“服务三农”试点,以此改善农村金融供求关系,但据笔者随机对平凉市7县(区)2000户农户和80户农村企业调查显示,农村民间借贷并没有因农村金融新政的推出而萎缩,相反愈发日趋活跃。
As an objective economic phenomenon, informal lending has always been in the midst of disputes among all parties. Although since 2007 a series of new rural financial policies have been implemented, the state has led various types of social capital to set up new financial institutions such as village and town banks, loan companies and rural mutual funds in rural areas, set up postal savings banks and improve the governance structure of rural credit cooperatives , And promote agricultural banks to carry out “service three rural ” pilot, in order to improve the rural financial supply and demand, but according to the author of Pingliang City, 7 counties (autonomous regions) 2000 households and 80 rural enterprises survey showed that rural private lending did not Due to the introduction of rural financial New Deal and shrinking, on the contrary more and more increasingly active.