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在农村信贷投放受限、信贷满足率低的现状之下,农村金融机构又以小额农户贷款为主,无法真正满足农村经济发展中的信贷需求,因而合理引导和完善民间借贷市场,可以迅速弥补农村经济发展中的资金缺口问题,为解决“三农”问题提供更有效的资金支持。本文通过目前农村民间借贷市场现状与实证分析,结合新农村发展的信息化网络化趋势,提出一条有利于农村经济发展的民间借贷市场发展的新思路,有效盘活当前农村民间信贷市场,更好解决“三农”问题的资金问题,促进农村经济的稳健和可持续发展。
Under the condition of limited credit in rural areas and low credit satisfaction rate, rural financial institutions are mainly small-scale farmers’ loans, which can not really meet the credit demand in rural economic development. Therefore, it is feasible to guide and improve the private lending market reasonably Make up for the shortage of funds in the rural economic development and provide more effective financial support for solving the “three rural issues.” Based on the current status and empirical analysis of the private lending market in rural areas and the trend of informatization network in the development of new rural areas, this article proposes a new mentality for the development of the private lending market which is beneficial to the rural economic development, effectively revitalizes the private credit market in rural areas and better solves the problem “Agriculture, rural areas and farmers ” issue of funds to promote the rural economy steady and sustainable development.