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本文在对广东省各地农村进行实地调查的基础上,对农村民间借贷活动及其中所呈现的资金关系进行了初步的统计描述和经验分析,进而对促进农村民间借贷等融资形式的发展、加强农村金融深化进行了积极探讨。分析认为,由于当前民间融资活动尚未完全纳入正式法规制度的保障和监管范围,农村民间借贷的信用风险相对较大,民间借贷过程中呈现出信用关系原始、融资渠道狭窄、融资方式创新有限等特点,同时,农村民众的信用观念和现代金融意识有待提高,这些状况都形成对农村金融深化的消极影响,需要及时予以梳理和改善,为推动农村经济发展提供金融支持。
Based on the field survey in rural areas of Guangdong Province, this paper carries out preliminary statistical description and empirical analysis of the private lending activities in rural areas and the financial relationships among them, and then to promote the development of rural private lending and other forms of financing and rural areas Financial deepening has been actively explored. Analysis shows that due to the current non-government financing activities have not been fully incorporated into the scope of the protection and regulation of the formal laws and regulations, the credit risk of rural private lending is relatively large. In the process of private lending, there are some characteristics such as the original credit relationship, narrow financing channels and limited financing innovation At the same time, rural people’s credit concept and modern financial awareness need to be improved. All of these conditions have had a negative impact on the deepening of rural finance. They need to be sorted out and improved in time to provide financial support for rural economic development.