在我国,大量的农村金融服务需求是由非正规金融来满足的。本文从农村金融市场失灵的角度出发,分析认为政府对此所制定的监管和金融政策是有缺陷的,而非正规金融在此却具有独特优势,进而认为农村非正规金融的兴起是合理的,并就此对非正规金融的发展提出相应的政策建议。 In our country, a large amount of rural financial service demand is met by informal finance. From the perspective of the failure of rural financial markets, this paper analyzes that the government has defects in its regulatory and financial policies. However, informal finance has unique advantages here. Then it believes that the rise of informal finance in rural areas is reasonable, And in this regard, the development of informal finance put forward corresponding policy recommendations.