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民间借贷是农村要素市场的重要组成部分。长期以来,对农村民间借贷治理主要依赖挤压限制的控制型模式,既不能有效引导民间资本优化配置,也不能防范规避可能产生的内外部风险。从趋利避害的视角出发,应正视农村民间借贷的发展实际,转变传统治理惰性思维,建立更具针对性和激励性的规制工具,形成正向激励为主的调控引导型治理架构,并通过相应制度设计和正规平台建设,激活农村生产要素,有效防控金融风险。
Private lending is an important part of the rural factor market. For a long time, the control of rural private lending and borrowing mainly depends on the squeeze control model, which can neither effectively guide the optimal allocation of private capital nor can it avoid the possible internal and external risks. From the perspective of the advantages and disadvantages, we should face the development of private lending in rural areas, change the lazy thinking of traditional governance, establish a more targeted and motivational regulatory tool, and form a positive incentive-oriented regulatory guidance governance framework. Through corresponding system design and formal platform construction, we should activate rural production factors and effectively prevent and control financial risks.