民间借贷是农村金融市场供需失衡的产物。随着农村经济的发展,农村金融市场的需求呈较快增长势头,但是农村正规金融机构却由于自身的原因和从紧的货币政策导向,造成了信贷供给的严重不足。因此民间借贷对农村正规金融的替代作用便愈发明显。本文以莆田市为例,分析了民间借贷迅速发展的动因及其对农村经济和农村金融发展的效应,并提出了相关的对策建议,旨在促进农村民间借贷健康运行,充分发挥其融通资金的作用,加快社会主义新农村建设步伐。 Private lending is a product of the imbalance between supply and demand in rural financial markets. With the development of rural economy, the demand of rural financial market shows a rapid growth trend. However, due to its own reasons and tight monetary policy, rural formal financial institutions have caused a serious shortage of credit supply. Therefore, informal lending to rural formal financial substitution effect will become more apparent. Taking Putian as an example, this paper analyzes the motive of the rapid development of private lending and its effect on the rural economy and rural financial development, and puts forward relevant countermeasures and suggestions to promote the healthy operation of private lending in rural areas and give full play to its financing funds Role in accelerating the pace of building a new socialist countryside.